Your guide from hire to retire.
We understand that life insurance is a critical asset and plays a vital role in preserving the legacies of the affluent. Our expertise allows us to give advice that can provide liquidity and ensure proper timing and distribution to chosen beneficiaries.
Do you own a business? Do you want to pass wealth to your business and/or your family? Do you want to ensure that your business and/or wealth passes to multiple generations? While the future is uncertain, it is important to plan. When our clients create estate and succession plans, they […]
New IRS Ruling for Grantor Irrevocable Trusts: If you have an Irrevocable Trust as part of your estate plan, you should be aware of a new IRS ruling that was issued on November 28, 2023. With this CCA, the IRS has taken the position that a modification to a Grantor […]
162 Bonus Plan Are you evaluating a “reward” program for your key people? Do you want a plan that is meaningful, but not overburdensome and complex? A 162 Executive Bonus Plan may be the plan for you. A recent article in Forbes from our friend and HR expert Tracy Brower, […]
For those individuals and families planning their financial legacy, December 31st, 2025, is an important date to keep in mind when thinking about taking advantage of unprecedented transfer and gifting opportunities under the current tax environment. While taxation should never be the only reason to transfer assets or make major gifts, […]
They say there are only two certainties in life: Death & Taxes… If you have been successful and built a large estate, when you pass away, Uncle Sam comes calling (again). One can argue over whether or not this is fair, but as it stands today, you are only able […]
Group Term Life Insurance – The Cherry on Top of the Sundae…You Still Need the Sundae One of the valuable benefits employers often provide their employees is group term life insurance. The amount of life insurance benefit offered in these plans can vary, but it’s common for employees to receive […]
At what age should I buy permanent life insurance? Like most things in life, there is always more to the story (not less) and permanent life insurance is a valuable tool when used in certain situations to achieve specific objectives. Recently, clients are asking the following question and it is […]
A Common Thread: Being thankful for clients who care When I joined Rose Advisors 12+ years ago, I asked my mentor and insurance industry pioneer, Butch Doerschler — who is the perfect client? His answer was so simple and clear that it still resonates with me today. Who was Butch’s […]
Rose Street Advisors Community | Life Happens Top 5 Reasons to Convert Your Term Insurance: 1. Timing: The level premium paying term is running out…and you still need coverage. Life insurance premiums increase exponentially once the original level term time period expires. For example, year 21 of a 20-year level […]
Life happens…have you updated your life insurance coverage? Key events in life prompt a call or email to a life insurance advisor. In our experience, marriage, the birth of a child, a job change, or the death of a friend or relative should (and many times do) cue a reassessment […]
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