Go to any estate planning conference, list the topics discussed, and then record the time dedicated to each.  Chances are that most of the time, if not all, will be spent addressing elements of the transfer tax code and strategies for implementing their impact.  The Applicable Exclusion Amount, The Applicable Credit Amount, Annual Exclusion gifts,…

As salespeople, it is easy to fall into a routine – a pattern of activity which becomes comfortable. Routines can be positive, providing structure to what are often harried days. However, routines can lead you to become stale. Try this to change tracks. Invest 30 to 60 minutes over the next two days becoming an…

The decision of whether or not to utilize investment capital to purchase immediate annuities versus making systematic withdrawals from an investment portfolio to maximize retirement income will, and should be, a frequent question arising in retirement income planning. Employer-sponsored retirement plans will often offer annuity payouts or a lump sum, which can be rolled over…