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Archive | November 5, 2012

Charitable Remainder Trust and Charitable Gift Annuities

One of the most powerful financial planning tools being used today is the Charitable Remainder Trust (CRT). A CRT is a special tax- exempt irrevocable trust arrangement which complies with Federal tax laws. Assets can be placed into the trust to provide income for the donor and/or the donor’s chosen beneficiaries. There are two types  Full Article…


The Price of Being Number One in Annuity Sales

The current battle between adding life and health insurance company shareholder value versus policyholder value  is one that reminds me of the impact of a Neutron Bomb: It can destroy policyholders or shareholders while leaving buildings intact.  As large private equity firms like Harbinger, Guggenheim, and Apollo duke it out for a 25% stake in our business,   Full Article…