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2018 Tax Reference Guide

Reference guide featuring Contribution Limits, Estate & Gift Tax Rates, Qualified Plans, Deductibility Rules, and more …

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A Variable Annuity May be Your Answer

“Tax deferral,” “diversification,” and “hedge against inflation” are all terms that carry positive messages among individual investors because they mean dollars invested are being maximized to fulfill long-term funding needs. They are all terms associated with variable annuities…

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Asset Allocation A Key to Portfolio Success

For many people, investing typically begins with one stock or one bond or one mutual fund. Over time, other selections are added to manage the risk associated with investing everything in a single security…

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Benefits of Donor-advised Funds

Features: Tax considerations for donating assets, Investment grows tax free, Option to give grants over multiple years…

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Case Study: Auction Process Increases Settlement Bid

Doug Fox, a former college athlete and owner of a sports supply business, purchased a $1.5 million universal life insurance policy in 2002 for estate planning purposes. Doug, now age 64, was referred by his attorney to a Valmark Advisor for…

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Case Study: Second Opinion on Life Expectancy Estimate

 Ed and Carol Reigert, ages 82 and 79, owned a packaged goods manufacturing company that they recently transferred to their son. In 1997, the couple bought a Survivorship Universal Life Policy with a…

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Disability Income Protection—Are Your Bases Covered?

Like most people, you may have life insurance to help protect your family against the financial impact of your unexpected death. You also insure your home, car, and other personal possessions against financial loss resulting from fire, theft, or damage…

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12 Estate Planning Must-Dos

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review…

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Estate Planning: A Team Effort

Estate planning often involves a team consisting of an attorney, a financial professional, an insurance professional, and yourself. However, whether you are establishing a new estate plan or revising an existing one, only you can provide the guidance, direction, and…

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Estate Planning for Everyone

Have you ever wondered how estate planning might fit into your overall, future plans? Even if you are just starting to build your estate and do not need complex estate planning, here’s a quick look at some steps you should consider taking immediately in order to protect your family…

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Family Foundations: Benefits Stretch beyond Charitable Giving

Many affluent individuals view the family foundation as a means for meeting specific philanthropic goals. For some, it also creates visible evidence of a donor’s charitable intent. In addition, a family foundation may serve two unique purposes within the confines of familial walls…

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Itemized Deduction Bunching

How to Plan After the 2018 Tax Reform:
Starting in 2018, new tax laws will be changing the way most individuals claim on their taxes. With lower itemized deductions and a higher standard deduction, it is estimated that over 90% of taxpayers will claim the standard deduction…

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Life Assurance 360™

Our client-centered process for designing life insurance plans begins by choosing strong companies that serve as a foundation on which to build. We then customize a blueprint that meets your unique needs and unify design and medical information through vigilant underwriting advocacy…

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Long-Term Care Insurance Key Policy Features

It is difficult to prepare for the possibility that you or someone you love may need long-term care (LTC) as a result of an accident or illness. Your world could change suddenly, affecting not only your quality of life, but your finances, as well…

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Options for Gifting Appreciated Assets

In 2009, an investor purchased $10,000 worth of XYZ stock in his brokerage account. After holding the stock for 9 years, he is thrilled to see his investment grow to $100,000. With the market at an all-time high, he feels it’s time to sell the stock and take the profit, but is concerned about the tax liability…

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Qualified Longevity Annuity Contracts

Turn qualified assets into lifetime income streams and exclude required minimum distribution (RMD) calculations…

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Education Planning Analysis

For many people, a major financial goal is providing for all or a portion of their children’s college education. However, with the uncertainty around tax laws, increasing tuition costs, and the number of years tuition will be needed, it can be difficult to determine…

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Guaranteed Retirement Income Plan

Retirees often focus on guaranteed income in order to achieve and maintain financial stability. The following analysis models current guaranteed income sources and retirement goals…

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Long Term Care Analysis

On the journey through retirement, prudent retirement planners take precautions against the potential financial impact that a long term care event may have on a family’s financial goals. The following analysis was developed to provide education, highlight the costs associated with long term care…

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Survivor Needs Analysis

On the journey to retirement, prudent savers take precautions against the financial impact that an unexpected death may have on a family’s financial goals and the loved ones left behind…

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Tax Optimization Illustrator

The Tax Optimization Illustrator is designed to analyze the differences between various investment tax registrations, based on expected current and projected variables, including tax rates, rates of return, investment expenses, portfolio turnover, and investment time periods…

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The Arc Process™

Climbing to the peak of a mountain is considered by many to be one of life’s greatest achievements. Experienced climbers know that the key to achieving their goal is planning and preparation. Without focused planning and proper preparation, the journey can quickly turn disastrous…

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The Risk Process™

Climbing to the top of a mountain is considered by many to be one of life’s greatest achievements. However, the real goal of climbing is not simply to reach the top, but to reach the top and return safely….

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