Investors Preferred’s Post

Meet Maria, a successful individual with a vision for securing her legacy for generations to come. At 65, widowed, and a loving mother and grandmother, she's taking strategic steps to ensure her wealth benefits her family for years ahead. Maria's goals are clear: ✅ Defer income tax on earnings ✅ Stretch out annuity income ✅ Minimize gift or estate taxation ✅ Use her unused federal unified credit Come back on Tuesday when we share the plan Maria used to accomplish these goals. #LegacyPlanning #PPVA

When working with successful individuals on their planning, a common refrain you hear as an objective is securing a legacy for future generations. The question is, how? One option is the Investors Preferred NextGen Annuity. To show how this product can help fulfill the desire to create a legacy for future generations, over the next few weeks we will be walking through a sample application. So make sure to check back to see how the story unfolds! #legacybuilding #PPVA

At IPL, we love to educate, but we also love learning new things ourselves. We are a firm believer in seeing what's new and learning about the latest trends impacting the industry and how we can use them to help our clients. This is just one example of that.

Thank you to Regis Financial Partners, LLC for inviting our Anthony Stanek to present at their recent event, "Private Placement Life Insurance and Why Clients Want it," held at Jay Suites Grand Central in New York. A huge thank you to everyone who joined to hear Anthony's insights into PPLI. #PPLI #PPVA

This month, our “get to know” introduces you to another one of the IPL team members who helps make our service the best in the industry. Meet Ashley Lahners! Click the link below learn more about Ashley, including how she came to IPL, what she wishes more people knew about PPLI and, of course, what she’s watching on TV these days. https://lnkd.in/et-MWVJJ

All month we have been sharing about the power of tax-free compounding via a case study about "Laura." To read the case study in full, click the link below. And remember, here at IPL, we partner with advisors to create custom, tax-efficient strategies for their clients. https://lnkd.in/eFcQcJPP

We have been talking about the power of tax-free compounding and sharing a case study about Laura and her use of a PPLI. As Laura is utilizing a separately managed account in her structure, we thought it would be a great time to go over the concept of Investor Control. Head to the link below to read our blog on the topic. https://lnkd.in/es852vWH

Earlier this week, we shared the solution that was implemented for our friend Laura. In that solution, Laura chose to have the premiums of her PPLI policy invested via a separately managed account. To learn more about SMAs, and what types of investments are permitted in a PPLI generally, head to the link below for our blog on the topic. https://lnkd.in/ecAd_866

Last week we met Laura and laid out her problem. Well today, let's talk solution. Using her remaining lifetime federal estate and gift tax exemption, Laura transfers $10 million of liquid portfolio assets into a Grantor Trust Irrevocable Life Insurance Trust (“ILIT”). Over the course of 4 years, the ILIT pays a premium of $2.5 million per year for a PPLI policy. Laura chooses that the policy premiums be invested via a separately managed account (a “SMA”). Under this structure, the policy SMA grows and accumulates tax free. Laura has the ability to take distributions (potentially on a tax-free basis) from the policy proceeds. At her death, the death benefit from the policy will be paid to her beneficiaries income-tax free and that amount will be significantly larger than if she had left the original $10 million in a taxable account.

Meet Laura. She is 50 and divorced. Her current net worth is $60 million, and she has an annual income of $500,000. Her liquid portfolio investments stand at $30 million. Laura would like to reduce the income taxes upon the earnings from her liquid portfolio assets and grow them on a tax-deferred basis. Additionally, she is looking to reduce the potential estate tax that will be due upon her death. What's the solution? Come back Tuesday for the answer!