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In light of the pandemic and historically low interest rates, here are some planning ideas to consider now – 1.   Roth IRA conversions – the cost of transitioning from taxable to non-taxable distributions and no RMD requirement is paying income tax

Nothing would please me more than to write about business and estate planning, but the virus is still governing our lives. It has changed how we do everything – work, exercise, travel, entertain ourselves, shop, eat, see family, visit doctors –

What is the impact of COVID-19 on life insurance? I was recently on a call with the CEOs of two large, brand name carriers and here are some very important takeaways – One carrier reported mortality at only 91% of

What should you be thinking about in light of COVID-19? Financial and estate planning – don’t put it off, do it now and when you start, finish. Bad things happen and it’s smart to have documents in place to be sure

More than 30 million Americans live with diabetes – the seventh leading cause of death in the U.S. Broadly, Type 1 is early onset and challenging to insure. Type 2 is adult onset and much easier to insure. In all cases, insurability

This is a subject that won’t and shouldn’t go away. Here are the basics – 101. People are living longer – much longer – than ever before, but not healthier. Senior care facilities are full and new ones are rapidly being built, seemingly

Described as a bad idea whose time probably hasn’t come. Among many other tax initiatives, there is now a proposal to tax the sale of stocks, bonds and derivatives at a rate of 10 cents per $100 of transactions. That two New

It will be a long time before this subject goes away. Back again – this time in the form of a New Jersey Supreme Court case, filled with hypocrisy and fraud – lots of bad stuff. A woman buys a life insurance

Multiple private equity firms are looking at the long-term care business.  They wouldn’t do this unless they saw a profit opportunity for their investors.  A transaction could take several forms.  The private equity firm could buy a block of long-term

Can a life insurance policy beneficiary designation be automatically changed by law upon divorce without anyone’s consent?  There are two recent court cases on this subject.  The first involved a husband     purchasing a policy, naming his new wife  primary beneficiary