Most clients start with a “vanilla” estate plan to cover the essentials. They can then add “toppings” such as inheritance timing and conditions or charitable components that turn a basic plan into one that is made to order for them.  However, before opening up the whole menu of estate plan toppings, advisors may first want […]

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Americans love ice cream. Estate planning? Not so much.  The average American eats roughly 19 pounds of ice cream per year,1 and around 90 percent of households regularly keep ice cream in the freezer.2 To celebrate our favorite frozen treat, President Ronald Reagan proclaimed July to be National Ice Cream Month in 1984 following a […]

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You have clients who are well on their way to a comfortable retirement, with plenty of savings to last them through their lifetime and enough remaining to leave behind a lasting legacy. Then there are those clients who do not have enough saved—or worry that they may be one major expense away from financial hardship […]

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Clients today have more ways than ever to generate wealth. Technology, entrepreneurship, global investing, and digital platforms have created new pathways to financial success that did not even exist a generation ago. The landscape of opportunity has never been broader—or more accessible. At the same time, the threats to wealth have multiplied. Litigation, economic volatility, […]

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Insurance Is the First Line of Defense The United States insurance market, worth an estimated $1.7 trillion,underwrites risks that could otherwise devastate individuals, homes, and businesses.1 Yet clients sometimes view insurance only as a cost instead of an investment that protects their wealth and legacy.  Recent shifts in the insurance market have led to many […]

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