This non qualified plan allows for large tax deductible contributions and is often useful for a windfall of income. With recent defining regulations, certain 419 plans remain a powerful tax planning strategy.

A/R Financing

Accounts Receivable Financing can be utilized by clients in their 40’s or 50’s who own their own businesses and want financial solutions for asset protection, retirement, estate planning, and business succession planning. A/R Financing allows for business owners to finance their life insurance premiums by utilizing outstanding accounts receivable to be posted as collateral for a loan.

Charitable Giving

Non-Profit organizations are interested in accessing the latest techniques to increase their endowments, and operating funds. From basic tools such as charitable gift annuities and charitable remainder trusts to the latest innovative, and often proprietary tools and techniques, our services are intended to support your philanthropic advisory practice.

ESOP Strategies

No longer as difficult or complicated as before, we may very well be entering the Golden Age of ESOP centered financial planning. ESOP’s can be a conservative vehicle for business owners to totally eliminate capital gains on the appreciation of closely held stock. Recent legislation has created an incentive for sophisticated planners to take a new look. Advanced Planning Services can help you navigate this innovative field of opportunity.

Estate Planning

Qualified retirement plan regulations severely limit highly compensated executives in their ability to save for retirement. As a result of this “reverse discrimination,” it is difficult, if not impossible, for key people to retire at a standard of living more than 10% to 20% of their pre-retirement income. Executive Benefit Planning is the development of customized strategies between employers and select executives which properly retain and reward superior contribution to company growth.

Executive Benefits

Qualified retirement plan regulations severely limit highly compensated executives in their ability to save for retirement. As a result of this “reverse discrimination,” it is difficult, if not impossible, for key people to retire at a standard of living more than 10% to 20% of their pre-retirement income. Executive Benefit Planning is the development of customized strategies between employers and select executives which properly retain and reward superior contribution to company growth.

Pension Rescue

Many qualified retirement plan participants have accumulated large plan balances during their working lives. As many of these participants approach retirement age, they begin to realize that (1) they may not need these funds to support their lifestyle during retirement, (2) they will be required to pay significant income tax on distributions, and (3) the plan balance may be substantially eroded by estate taxes at death. For these reasons, participants would like to remove a substantial amount of the wealth from their qualified plans without paying unnecessary income taxes and estate taxes. Pension Rescue allows participants to “rescue” these funds from this heavy tax burden.

Life Insurance Appraisal and Settlement

Our unique service of appraising your clients’ existing life insurance policies is based on “Fair Market Value” (as defined by the price a willing buyer would pay a wiling seller). When applied to life insurance, results often significantly benefit existing policy owners who no longer want an old policy or who would like to use an amount greater than cash surrender to subsidize the acquisition of new coverage.

Premium Financing

Estate and business succession planning often requires creative financing arrangements in order to maximize a client’s use of existing capital. Premium Financing allows successful individuals an opportunity to obtain needed life insurance coverage without the need to liquidate existing assets to pay for annual premiums. With rates often available at less than prime rate, Premium Financing is an excellent use of “other people’s money.”