Executive benefits: Beyond COLI and split dollar

Today’s employers can better reward, and retain, key employees with benefits that are immediate and personal. In my practice in Silicon Valley, we focus primarily on working with high-end, closely held service businesses. This means we are working with companies whose primary product is the work or advice given by the company’s employees. Each of … Continue reading

Protecting Gen Y’s Greatest Asset with DI

Education is key to dispelling the myth that financial protection is a discretionary need. As a cross-section of Americans to name their most important fianncial assets and you would draw some predictable responses: 401K plan, and IRA, a home – perhaps a business. Many may not hink about their ability to work and earn an … Continue reading

A Combo Plan for Boomers

Your baby boomer clients and prospects have a lot on their minds. They’re concerned about having enough money to live on in retirement, rising medical and long-term care costs, and providing for the people they love. For many, the number one priority is having a guaranteed lifetime income stream to ensure that they do not … Continue reading

Business Planning: Key Employee Life Insurance

Key employee life insurance is designed to indemnify your business for the death of an employee who is vital to your continued business success. How it Works 1. The business pays premiums on a life insurance policy insuring your business’ key employee. 2. The business is the owner and beneficiary of the policy. 3. Upon … Continue reading

LTCI options for uninsurable prospects

Although the climate is beginning to change for the positive, today’s long term care insurance (LTCI) marketplace is tough. It’s hard enough to even get people to the table to discuss the importance of this vital coverage. And when you do, it typically requires at least one very lengthy meeting (more likely two or three) … Continue reading