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Articles Archive

  • Planning for Special Needs

    On the portion of the questionnaire asking the Stones if they have any particular concerns regarding their financial and familial plans, the Stones indicated that they are concerned about equalizing their estate among their three children while still ensuring that they’ve taken care of their special needs child. You’ve heard of a “Special Needs Trust” before, but what does that really mean and how should the Stones’ planning be tailored to accommodate their concerns regarding their children?

    Article Date: 
    2011 March
  • Inherited or Beneficiary IRAs

    When you inherit an Individual Retirement Annuity (IRA), you become a beneficiary. A beneficiary can be any person or entity the owner chooses to receive the benefits of the IRA after she or he dies. A beneficiary of a Traditional IRA must include any distributions in their gross income as received. Understanding your options as a beneficiary is extremely important as this can impact how much you can receive and the tax consequences of the decisions you make. Consider contacting a professional tax advisor to provide you advice on your options.


    Inherited From Spouse

    Following are the options you can choose if you are the surviving spouse inheriting an IRA:

    Article Date: 
    2011 February
  • Annuities and the Shifting Sands of Income Tax Rates

    In December, the political compromise between President Obama and Congressional Republicans to extend the Bush tax cuts for two more years was truly a stunning 11th-hour deal. It even took the IRS by surprise. On December 23, the IRS announced that it will not have its tax processing systems ready to handle some of the extended provisions until sometime in late February – well into tax return filing season.

    In such an unpredictable environment, some clients may be reluctant to undertake long-term strategies that can reduce their income tax burdens, but even with the uncertainty, a number of strategies can still work very well.

    Article Date: 
    2011 January
  • Buy-Sell Agreements

    A Number of Advantages

    A buy-sell agreement is a legally binding contract that requires action upon the occurrence of a business owner or shareholder’s retirement, death, or long-term disability. There are a number of important advantages of a buy-sell agreement. When properly designed, they can guarantee a buyer for a business, establish a value for federal estate purposes that is binding on the IRS, and spell out the terms of payment. A buy-sell agreement is easily funded with life and disability insurance to provide a smooth transition of control and ownership to those best equipped to keep the business going.

    Article Date: 
    2010 December