Skip to main content

Estate Tax and Life Insurance

"Will the estate tax increase again or go away completely?"
"Will the exemption of $11 Million per person go back to $2.5 Million?"


These are the most common questions I am asked about how to plan for the impact of estate taxes in the future. There is no certainty and that can be frustrating. The estate tax and the exemption levels become part of the political dialogue and both have been whipsawed over the years.

There are some interesting strategies to consider that make sense under any scenario. Succession planning is most successful when you take advantage of maximum transfer amounts without taxation.

Life Cycle Financial Planners works with individuals, families and businesses to help them with succession planning, wealth transfer strategies and asset protection. We specialize in fixed indexed annuities for creating guaranteed lifetime income in retirement.
Contact Ted Bernstein at 561-869-4500.

Popular posts from this blog

Guaranteed, Lifetime Income Annuity

Indexed annuities that are 100% liquid are important planning tools for retirement security and principal protection. The guaranteed, lifetime income from these contracts solves the nagging concern of longevity risk in retirement. The immediate liquidity ensures maximum flexibility. 
It is critical to understand the advantages of guaranteed, lifetime income in retirement versus traditional asset accumulation. 
Until recently, a primary retirement goal has been to build up assets in order to draw them down later. Professors at leading universities and retirement centers around the world are now urging retirees to re-think this conventional wisdom. Using the right annuities that guarantee liquidity from day one, you can have the best of both worlds.A portfolio of stocks and bonds cannot provide a guaranteed income for life, with zero risk. An indexed annuity does exactly that.

The right annuity contract GUARANTEES you will never lose principal while receiving guaranteed, lifetime income. A…