Shepard Secure Legacy – Four Critical Audit Questions for Life Policies Funding ILIT’s
Leveraging Life Insurance / Protecting Assets May 22, 2018

Shepard Secure Legacy – Four Critical Audit Questions for Life Policies Funding ILIT’s

Irrevocable Life Insurance Trusts remain the single most efficient vehicle to address estate taxes and legacy concerns. But the ILIT is only as good as the life insurance policy funding it. Here are the 4 questions you need to confirm on a Life policy: 1) How long is the policy supposed to last? Term Permanent [...] Read More
Grow AUM by adding Value
Leveraging Life Insurance May 15, 2018

Grow AUM by adding Value

Wealth management is more challenging every year. Whether it is fee compression, or internet driven advice, clients are constantly looking to justify the value in a relationship. Successful families are looking for their wealth advisor to be a Quarterback to navigate all their financial matters and to partner with other expert advisors to identify and [...] Read More
ILIT Funding Alert – What you and your client should know about Guaranteed Death Benefit Life Insurance
Leveraging Life Insurance May 15, 2018

ILIT Funding Alert – What you and your client should know about Guaranteed Death Benefit Life Insurance

Low interest rates: for a significantly long period have had a serious impact on the investment results of permanent life insurance contracts. Older contracts should be stress tested: New contracts have been injected with a guarantee of the death benefit to the investment performance concern. But Guaranteed Life comes with some hurdles. Guarantees are set [...] Read More
Stress Test the Life Insurance policy!!
Leveraging Life Insurance April 24, 2018

Stress Test the Life Insurance policy!!

It would be a total catastrophe if a life insurance policy, in a Life Insurance Trust, lapsed before the insured died! All that planning & execution with no benefit. Despite the best of intentions, things change, and being on top of change is the key to success. Change in the Life Insurance is tied to [...] Read More
When you select your Apartment Insurance, Be a good Neighbor
Comprehensive Coverage April 17, 2018

When you select your Apartment Insurance, Be a good Neighbor

Property claims for apartments, condos, and co-ops in NYC are rare. Lobby security minimizes theft exposure, and fires are uncommon. The most prevalent insurance claim is for water damage. Your dishwasher springs a leak, or during renovations your contractor saws thru a pipe. The damage and the consequences can be devastating, which is why you [...] Read More
Another Storm – Maybe a Generator makes sense!
Home Insurance April 17, 2018

Another Storm – Maybe a Generator makes sense!

When hurricane Sandy rolled thru years ago, we were lucky, we never lost power. But with storms occurring more frequently, and with plenty of significant damage, it might be time. Losing power does have its consequences. Consequences that accelerate as the hours add up. Beyond the inconvenience here are some issues that arise: sump pumps [...] Read More