The financial advising you need.

Our Services.

1035 Exchange: Current Life Insurance Review

Many life insurance policies become outdated or were never designed correctly to start with— earning lower interest rates on the cash values, carrying higher fees on the death benefit or having limited flexibility.

A 1035 exchange allows you to move your current policy into a better performing policy- completely tax/penalty free.

We guide you through an evaluation of over 40 life insurance companies to see if there is a better life insurance policy in the market, while maintaining an apples to apples comparison of your existing policy.

Estate Tax Planning

Every taxpayer has a $15 million federal estate tax exemption for 2026.

Meaning you can leave up to that amount to your family without any taxes due. Married couples can take advantage of a $30 million estate and gift tax exclusion.

If your estate is worth more than $30 million, there needs to be a plan in place for when you and your spouse pass away. Planning around irrevocable trusts and ILITS to minimize estate tax exposure. The goal is to freeze the value of your estate by shifting future growth to heirs.

The federal estate tax rate remains at 40% for taxable amounts exceeding the exemption.

Tax Analysis of Investment Accounts

Analyzing the tax implications of investment accounts involves understanding tax rates, rules for deductions, exemptions, and credits, and any potential penalties for early withdrawals or non-qualified distributions.

Tax-efficient investment strategies can be employed to minimize taxable events in the future. This would include an analysis on high tax drag assets (interest on savings accounts, bonds) vs low tax drag assets. Also important is withdrawal strategy, having a balance of assets within both a traditional IRA/401k and Roth IRS/401k. For high income earners there are other opportunities to get the same tax free growth benefits similar to a Roth.