Life Insurance provides a liquid pool of capital at precisely the time when, oft times, it is most needed. In addition, life insurance can add materially to legacies for heirs.

IRAs and other tax-favored retirement plans are excellent for accumulating wealth. But they are not efficient as wealth transfer assets because of how they are taxed at death. Can the capital in IRAs be utilized in a different manner to enhance value to intended beneficiaries?

Investment portfolios and wealth are protected by blending assets into a portfolio which do not react in the same way or to the same degree as other held assets. In these days when asset allocation, as a portfolio hedge strategy, seems broken, do effective means remain to mitigate market volatility without sacrificing returns?

Costs for long term care increase with time due to inflation. And care costs more in some states than in others. What will anticipated care cost at the ages most likely to be needed?

If you knew exactly when a LTC event would occur you might be able to save enough if suitable investment assets provided necessary rates of return. Might LTC insurance be a more efficient tool for covering expenses from care?

Several types of insurance company contracts provide LTC benefits. What are all of the options, and which is right for your needs and goals?

Long term care may be paid for out of income or by liquidating assets. Alternatively, multiple types insurance can be acquired which provides a benefit for payment of long term care. Which type of coverage best preserves a family’s wealth for heirs? Are any of these options more efficient than simply paying out of pocket?

While not offering the complete premium flexibility of life insurance, asset based LTC insurance does offer choices in premium duration. Asset based LTC coverage also comes with a variety of inflation protection options. Are there pricing efficiencies between these options?

Is there an age at which a higher but level LTC benefit makes more sense than a benefit with inflation protection? How is the crossover point affected by age of the insured at time of acquiring the coverage?

There are 3 primary financial stages in life. The risks against which we insure vary based on the stage the person is in. What are the risks we face in each financial stage of life?

For those in the Developing Financial Stage, mitigating the loss of income risk by acquiring life insurance is often the most efficient approach. But as the earning capacity to insure as a person ages (less future income to protect), the insurance benefit might also be reduced to minimize costs.

Many financial projections assume an assumed and fixed rate of return. Volatility causes real world results to be lower, even if the average rate of return equals the assumed, fixed rate. How significant is the difference in results?

We all know that paying loans monthly, as opposed to annually, affects the actual loan interest rate. Actual Percentage Rate (APR) is increased by paying monthly. Similarly, paying for whole life or term life insurance monthly results in paying a finance charge on top of the premium. What is the amount of extra charge and how is it calculated?

The POP (Paid-Adds OPtimization) Ratio measures efficiency of a whole life policy for income distributions. What is the ratio for your policy?

Most people understand the need for life insurance. But, the odds of a disabling event are much greater at any age during a person’s working lifespan. Should your income potential be insured as well?

For most people the ability to earn an income is their most valuable asset. If that asset was taken away through injury or illness could they maintain their standard of living? Typically, expenses actually increase during those times when income ends due to a disabling event. Disability insurance can be used to cover financial essentials.

Most employer provided disability insurance (DI) is capped at 60% of income. If the employer pays for the DI benefit, or if you pay with before-tax income then your employment benefit will be taxable. Can you live on the after-tax remainder of 60% of your income?