American Business
Articles of Interest
Week of January 28th, 2019

Good Morning,

This is the first "Articles of Interest" for 2019.  I hope everyone is off to a productive and healthy New Year.


Hybrid Life Insurance Policies Increasingly Popular As Long-Term Care Funding Strategy
Forbes , Jamie Hopkins, November 1st, 2018

Many clients and friends understand the logical rationale for purchasing long term care insurance.  However, many people never actually follow through and acquire coverage.  Due to this trait, there exists major "unintended consequences" for family members and business partners/ employees.

What Not to Do With Your Estate Planning Documents, Bernard Krooks, November 1st, 2018

Some simple but important information regarding your documents:

  • Don't write on them
  • Don't hide them
  • Be careful about signing beneficiary designations on certain assets as to their relationship to your overall document planning.

The Charitable Remainder Option
Barrons Penta, Karen Hube, December 1st, 2018

With the increased estate tax exclusions being doubled, some clients are losing incentives/ deductions for charitable gifts. There is a way to still get deductions, but you take these deductions against taxable income instead of against your estate. The charitable remainder trust enables this tax planning tool to help you.