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Maximizing Retained Earnings for C Corps

When corporate tax rates are lower than individual income tax rates, owners seek to retain capital in their businesses. Many keep a large part of their working capital in conservative, liquid assets but should consider maximum funding corporate-owned cash value life insurance.

Putting the Work Back Into Working Capital

A company that routinely bids for large contracts needs to maintain a large pool of working capital, usually held in conservative assets. The cash value of life insurance can be counted as liquid working capital for bond underwriting and while providing a better return.

Opportunities Through Buy Sell Reviews

Developing an exit strategy is a pressing financial challenge facing small-business owners. For businesses with more than one owner, the ability to successfully sell a business interest at retirement is often dependent upon the quality of their buy-sell agreement.

The Jim Harbaugh Plan

Like all high-income earners, highly paid employees of non-profits reach a point where they'd prefer to defer some of their current taxable income. In the summer of 2016, football coach Jim Harbaugh struck a split-dollar plan with the University of Michigan that's become legendary.

Product Based Bonus Plan

A product-based bonus plan allows an employer to pay for an insurance product on an employee's life. The employee owns the policy, but the employer may restrict access to cash value through a special policy endorsement, commonly referred to as “golden handcuffs.”

Lump Sum Deferred Bonus Plan

If aging business owners want to retain a key non-owner employee, a substantial lump-sum bonus tied to life insurance can be the solution. The business owns a policy on the employee and pays premiums, then enters an endorsement split-dollar agreement with the employee.

Personally Owned Policy

Business partners often own term life insurance policies on each other to fund a buy-sell agreement. They figure the buy-sell need is temporary and will go away once either partner retires, but there are problems that can be avoided by each partner owning their own policy.

5 Simple Steps to Talk About DI

A DI conversation about paycheck protection doesn’t have to be complicated. You just need to be prepared for what clients are likely to say. This five-step plan will give you key questions to ask – and the confidence to bring up disability insurance in your next appointment.

No-Load Indexed Universal Life

Yes, insurance solutions can work for fee-based advisors. Learn about an exciting fee-based indexed universal life product, exclusive to Ash Brokerage. With flexible premiums and a simple structure, this no-load IUL has one of the most transparent and low-cost solutions in the industry.

Life Cycles of Business

Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From startup, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.

Be Your Own Beneficiary

Life insurance doesn't have to be an expense. With the right policy, it's a reallocation of future savings to a better return profile. If you look at the internal rate of return, it's hard to match, plus the return is guaranteed AND tax-free. See how to get the full benefits of life insurance.

Funding Permanent Insurance with an Immediate Annuity

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.