The Key to Planning is Flexibility

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 are limited by the information at hand at this moment; whether that be their current family and business environment, recently updated IRS guidelines, acceptable planning techniques, or current estate and income taxation regulations. Almost all plans will need to extend over numerous decades and multiple generations. Change is not probable, it is inevitable, and that is why liquidity, and the flexibility it provides, will never go out of style. 

At Rose Street Advisors, we have the unique opportunity to work alongside our clients and their advisors (attorneys, CPAs, etc.) to safeguard their families and businesses to create a blueprint that meets their planning objectives. As a flexible instrument, life insurance provides unencumbered, tax-efficient liquidity when needed most.  Life insurance is used as a tool to provide funds needed to:

• Help divide an illiquid asset among children; such as a family business, farm, or cottage when interest and ability to manage the asset is varied, but a desire to be “fair” is of utmost importance.

• Create a guaranteed market for an owner’s business interest so that a spouse is not dependent on the future success of a business. It can also provide a surviving business partner tax-free liquidity necessary to acquire the deceased partner’s interest in the company.

• Provide funds that can be used to pay a federal estate tax that comes due within 9 months following the passing of an individual with a large estate exceeding the current estate-tax exemption amount.

• Compensate a key employee’s family in full when a deferred benefit has been promised to the deceased.

• Provide working capital to a business needing to replace a key member of a company who has unexpectedly passed.

Are you facing an uncertain future? We all are, and the only way to get ahead of it is to plan. If you would like to speak with us regarding your situation or how best to use life insurance in your planning process, please contact us. We look forward to your call!

Rob Hunt II

LIC & CLU® | Principal & Chief Executive Officer

As Principal and CEO, Rob spearheads the vision, drive for growth, and pursuit of excellence at Rose Street Advisors. Rob loves being outdoors with his wife Erin and kids. He has slalom skied for the past 35 years, never missing a season. He also enjoys spending time at the lake and on the golf course.

This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual or entity. To determine what is appropriate for you, please contact your Rose Street Financial Professional. Information obtained from third-party sources are believed to be reliable but not guaranteed.

Securities and Investment Advisory: Services offered through M Holdings Securities, Inc., A Registered Broker/Dealer and Investment Advisor, member FINRA/SIPC. Rose Street Advisors is independently owned and operated. Rose Street Advisors is a member firm of M Financial Group. #6519084.1

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