OUR EXPERTISE

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Proper succession planning can help sustain businesses in the event of the loss of key personnel, who play an integral part in the company's success.  Key Man and Buy/Sell contingencies ensures both stability and sustainability of the business.

Secure any asset within PPLI before it appreciates, and never pay capital gains or income tax on the asset again.  Individuals can transfer almost any asset into a PPLI Policy. 

An Installment Sale is a unique tax deferral strategy for any “Highly Appreciated Asset” with a low basis. The strategy allows the seller to defer 100% of the capital gains tax into the future. 

A Life Settlement is the sale of an existing life insurance policy to a third party for a one-time cash payment, for a sum greater than the policy's surrender value.  The policy's purchaser becomes its beneficiary and assumes payment of its premiums—By receiving a cash payout, the insured party can supplement their retirement income with a largely tax-free payout.

Restricted Property Trust (RPT) provides high-income earning business owners the opportunity to reduce income taxes and grow assets with sizable pre-tax contributions. An RPTs main objective is to provide long-term, tax favored cash accumulation and cash flow utilizing a conservative asset class. A Restricted Property Trust may provide earnings of 8-percent or more when compared to other fixed income vehicles.

When landowners donate a conservation easement, they give up part of the value of their property — often their family’s biggest asset through a non-cash charitable deduction. The taxpayer can potentially reduce adjusted gross income up to 50% in a given year with a 15-year carry forward.  Tax incentives offset some of that loss in property value, making conservation a viable option for more landowners. 

Estate planning serves to manage an individual's asset base including the bequest of assets to heirs and the settlement of estate taxes.