insurance death benefits

• Asset repositioning

  By Russell E. Towers, J.D., CLU, ChFC  |  August 1, 2012

  The question to ask is, “Can a client use an ‘asset repositioning’ strategy to provide an increased income stream while transferring an equal or greater asset value to heirs?” The answer is yes.

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  Asset Repositioning in a Time of Low Interest Rates

  By Russell E. Towers, J.D., CLU, ChFC  |  July 5, 2012

  A tax-efficient Single Premium Immediate Annuity provides guaranteed income and facilitates the transfer of wealth to heirs.

• Designing Non-Qualified Plans

  By Brent Welch, CFP, ChFC, CLU  |  July 1, 2012

  On March 31, the Employee Benefit Research Institute revealed that only 4% of American workers surveyed feel “very confident” about their retirement.