Planning strategies
Where coverage becomes a plan.
These are the arrangements that put protection to work for a business, an estate, a family, or a cause. They usually involve a client’s other advisors from the start: a succession question raises an estate-liquidity question, and a charitable intention raises a question about heirs. We scope engagements to match, and we coordinate with your CPA and attorney.
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Charitable Giving & Legacy Planning
Coordinating philanthropic goals with the protection of heirs — wealth-replacement strategies, life insurance as a charitable gift, and endowment or bequest funding.
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Business Continuity & Succession
Funding buy-sell agreements across cross-purchase, redemption, and hybrid structures; key-person coverage; protection tied to bank covenants and personal guarantees.
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Executive Benefits
Nonqualified deferred compensation, supplemental executive retirement plans, Section 162 executive bonus arrangements, and split-dollar.
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Estate & Wealth-Transfer Liquidity
Life insurance to cover settlement costs and estate tax without forcing a sale; irrevocable-trust ownership; inheritance equalization among active and inactive heirs.
A strategy is only as sound as the documents and the funding behind it.