Charitable Remainder Trusts

A planning tool that combines income, tax relief and ultimate charitable giving to a client who has a highly appreciated asset.
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Private Foundations

A planning option that allows a family to control their charitable intent for multiple generations.
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Grantor Retained Annuity Trust (GRAT)

A future-interest planning technique that allows for tax-favored intergenerational wealth transfer.
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Estate Freeze Planning

An asset management strategy which “freezes” current estate values in the grantors estate, but allows for the growth to be passed on estate tax free to the heirs.
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Life Insurance

A financial tool that is primarily used to protect against loss of income, but also safeguards wealth from the financial impact of the death of the insured(s)
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Business Succession Planning

A business continuation agreement is a legal contract providing terms for the disposition of a business interest in the event of the owner’s death, disability, retirement, or upon withdrawal from the business at some earlier time.
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Buy Sell Agreements

The process of preparing to hand over control of the business to others in a way that is the least disruptive to the business’s operations and value.
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Self Canceling Installment Notes

The self-cancelling installment note, or SCIN, is a variation of the installment sale, when it is used, the note contains a provision under which the balance of any payments due at the date of death are automatically canceled.
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Divorce Protections for Heirs

This allows a client to leave heirs money in a trust which protects the heirs from potential divorces. These can be set up to last for generations.

Institutional Life Insurance

Life insurance for executives with very high first year cash values, many times equal to 100% of premium, and no surrender fees.

QTIP Trusts

A type of trust that enables the grantor to provide for a surviving spouse for the rest of his or her life, and also to maintain control of how the trust's assets are distributed once the surviving spouse has also died.
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Dynasty Trusts

An estate-planning tool that provides income, support, and protection of wealth to children and future generations of your family.
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Intentional Defective Trusts

An estate planning tool used to freeze certain important assets of an individual for estate tax purposes, but not for income tax purposes.
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Special Need Trusts

A trust designed to hold and disburse property for the benefit of an SSI (Supplemental Security Income) recipient so that SSI and Medicaid won't consider the trust property or disbursements to be a resource or income.
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Charitable Gift Annuities

A transfer of cash or other property by a donor to a charitable organization in return for an annuity payable over one or two lives.
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Long Term Care

Coverage that provides nursing-home care, home-health care, personal or adult day care usually for individuals. This can be either a stand alone policy or a linked product.
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Zero Tax Plan

A financial plan where a client takes advantage of as many legal strategies as they are comfortable with, at death of the husband and wife any remaining assets that are subject to estate tax are donated to charity and replaced with life insurance.

Insurance Creditor Protection

Each state has different creditor protection rules.
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Resident Noncitizen Planning

Special planning opportunities and problems are present where at least some family members are not U.S. citizens.
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