Taxes get complicated. Retirement plans. Medicare. Social security. Estate and gift taxes. Health savings rates. Tax rate schedules. This tax reference pocket guide is easy to keep with you, with the information you need to keep at your fingertips while planning with your clients.

Taxes get complicated. Retirement plans. Medicare. Social security. Estate and gift taxes. Health savings rates. Tax rate schedules. Mileage rates. This tax reference guide contains all the information you need to keep at your fingertips while planning with your clients.

The lifetime gift and estate tax exemption is set to be cut in half in 2026. It might seem like there's ample time to create a plan, but there is a practical deadline ahead of the statutory deadline. Here's what you need to know to avoid the rush.

Clients who are philanthropic often own IRAs or other qualified retirement assets which carry potential tax problems. Naming a charity as the beneficiary of an IRA or including an irrevocable life insurance trust (ILIT) may provide a more tax-efficient wealth preservation plan.

While company-paid group-term life insurance is beneficial, it is not equally valuable to each employee. Review this sample restoration plan to learn how to make high-income earners whole by providing them additional individual coverage.

When it comes to recruiting and retaining key employees, nonprofits are limited due to IRC Section 457. Here are three executive comp plans that help nonprofits including split-dollar, restricted executive bonus arrangement (REBA) and nonqualified deferred compensation.

An effective executive benefit program must meet the objectives of both the employer and employee. This concept examines the structure and design of three plans: nonqualified deferred compensation, restricted executive bonus arrangement (REBA) and split-dollar arrangement.

Even for affluent clients, pre-funding death expenses with discounted dollars remains effective. Life insurance is uniquely able to deliver a specified pool of tax-free liquidity at exactly the time needed to cover final expenses, debt, liquidation, taxes, probate costs and bequests.

This discussion outline helps establish a need for business owners to create a guaranteed issue life insurance program. Common needs are buy-sell for businesses with a lot of stockholders or members, key person business protection or key employee benefit packages.

Good planning starts with asking the right questions. This workbook will help you stay organized through the retirement planning data gathering process. There is room to record employer information, proposal census data, retirement plan design, goals and related notes.

Unique businesses need unique plans, which includes creating plans that allow business owners to fund retirement. Use this reference sheet to learn three strategies to monetize a closely held business and the advantages and disadvantages for each approach.

Just because an estate is too small to get taxed doesn’t mean it is too small to cause problems with heirs ill-equipped to handle wealth, sibling rivalries, divorce, lawsuits and more. Using a trust, you can give your heirs the benefit of wealth without direct ownership of wealth.