With over 10 years of experience in financial services, I have excelled at providing expert advice to individuals regarding their life, disability income and long-term care insurances. I have also worked closely with privately held businesses on solutions for funding buy-sell agreements, key employee retention, pension planning to reduce income taxes and business succession planning.
I'm always available to help educate you on the latest concepts, unique to your client's situation.
If you need assistance on a case, you have a team of dedicated specialists at your fingertips. Feel free to reach out to them directly if I am not available.
I'm always available to help educate you on the latest concepts, unique to your client's situation. Let me know how we can help with your next opportunity through case consultation, virtual point-of-sale assistance, case design support, illustration review, application fulfillment or field underwriting challenges. If you need help on a specific business line, you're always welcome to contact me or reach out to your dedicated team.
Support a conversation about what federal estate taxes could apply given a client's level of wealth. Request your custom proposal for a straight-line projection of future values for up to three categories of assets comprising a client's taxable estate.
Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.
Your clients may be planning to leave assets to children and grandchildren. But they can gift more than just cash. With life insurance, clients can combine cash value growth potential with death benefit protection for a tax-efficient gift that keeps on giving. See how it works.
Landowners often have a deep appreciation for their ranch, farm, forest, wetland or other property – and have concerns about the long-term welfare of the land. A conversation easement can help protect the land while life insurance can replace lost market value for the estate.
Long-term care is a changing story. And as LTC costs continue to rise, states are looking for ways to shift expenses back to the consumer. Here's what you need to know right now about current state-mandated plans, the states researching plans and how private LTC can help.
There are five things you need to know to effectively sell disability insurance. This brief eBook covers who you should talk to, what companies offer coverage, key terms you should know, how to get started and why income protection matters to you and your clients.
Get a reference on the tax treatment of long-term care premiums for business owners! This easy-to-read chart shows five business types, with key deductibility information on premiums for owners, employees and spouses, as well as reported income and eligible premiums.
What life events have happened since your client purchased their life insurance policy? Help them uncover the need for a policy review by using this checklist to consider financial changes, policy changes and future planning goals.
Currently, an estate is not subject to the federal estate tax until it exceeds $13.61 million (double for married taxpayers). In 2026, the current exemption will sunset, effectively cutting the amount in half. This piece looks at four options to protect your client's legacy before that happens.
In the past, advisors recommended moving assets outside the taxable estate through an Irrevocable Life Insurance Trust (ILIT) when faced with estate tax uncertainty even though this can result in a loss of control to those assets while alive. But, where ILITs fall short, Spousal Lifetime Access Trusts (SLATs) shine.
With a spousal lifetime access trust (SLAT), one spouse makes a gift to an irrevocable trust using the gift tax exemption. The SLAT names the other spouse as a current beneficiary, which allows the trustee to distribute funds to the beneficiary spouse during their life.