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Topic of the Month Gifting is the December Topic of the Month Lifetime giving allows for privacy and probate avoidance, and may also increase the net amount passing to their heirs. This savings may be further leveraged through the use of life insurance to provide a substantial legacy to the client's family.
For more information on Gifting please contact your local Regional Director or call the Advanced Markets Group at (888)266-7498, option 3. |
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Topic of the Month GRATs is the November Topic of the Month Over the past couple of years interest rates have been at an all time low, while stock prices and real estate have soared to new levels. This combination of events has created ideal conditions for setting up a grantor retained annuity trust (GRAT). For more information on GRATs please contact your local Regional Director or call the Advanced Markets Group at (888)266-7498, option 3. |
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Dynasty TrustOver $9 trillion will pass from one generation to the next over 20 years. One way to make sure heirs receive their inheritance and to create a legacy for generations to come is with a dynasty trust. To learn more, click on the links below. For more information, contact your Manulife/John Hancock Representative or call Advanced Markets at (888) 266-7498, option 3. |
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Topic of the Month Buy-Sell is the August Topic of the Month A buy-sell arrangement (or "business arrangement") is an arrangement for the disposition of a business interest upon a specific triggering event such as an owner's death, disability, retirement, or other termination.
For more information on Buy-Sell please contact your local Regional Director or call the Advanced Markets Group at (888)266-7498, option 3.
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July Topic of the Month DIGITs is the July Topic of the Month Estate planners have been using the irrevocable Life Insurance Trust (ILIT) for many years, to increase wealth and liquidity outside of the taxable estate.
For more information on DIGITs please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3.
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May Topic of the Month Private Financing is the May Topic of the Month A privately financed life insurance plan, also known as personal financing or self-financing, is the funding of life insurance premiums through a personal loan between an insured or a family member and an Irrevocable Life Insurance Trust (ILIT).
For more information on Private Financing please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3.
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April Topic of the Month Family Limited Partnerships is the April Topic of the Month Owners of small businesses work hard to build a successful enterprise, and years of sweat equity, investments and risk often go into creating a legacy that should last for generations. However, each time that assets such as a family business pass from one generation to the next, estate taxes can take a large portion. Proper planning and use of sophisticated estate planning techniques can reduce the amount going to Uncle Sam. One such technique is a family limited partnership. For more information on Family Limited Partnerships please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3. |
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March Topic of the Month Spousal ILIT is the March Topic of the Month The irrevocable life insurance trust (ILIT) is the time-honored standard for estate planning concepts. For more information on Spousal ILIT, please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3.
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February Topic of the Month Split Dollar is the February Topic of the Month Split Dollar arrangements have always been a popular subject for conversation and a topic for debate and speculation. Although the final regulations change the split dollar landscape in some important ways, split dollar still remains a viable planning tool.
For more information on Split Dollar, please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3. |
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January Topic of the Month Life Insurance Funding with Qualified Plans is the January Topic of the Month Qualified plan distributions are often overlooked as a funding source for life insurance inside a trust. However, retirement distributions can be an ideal funding source for people who may not need to use the entire distributions for retirement income and want to create a legacy for the next generation.
For more information on QPLAN, please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3. |
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December Topic of the Month Credit Shelter Trust is the December Topic of the Month Already a popular tool for estate planning, the Credit Shelter Trust is created outside the taxable estate to take advantage of the applicable exclusion amount and has the potential to accumulate a significant amount of assets. Purchasing life insurance inside the Credit Shelter Trust or having the Credit Shelter Trust enter into a loan arrangement with an irrevocable life insurance trust allows clients to leverage these assets while potentially lessening their estate taxes.
For more information on Credit Shelter Trust, please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3. |
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November Topic of the Month
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May Topic of the Month
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May Topic of the MonthMunicipal Bond Maximization ( Muni Bond Max) Muni Bond Maximization is a way to leverage a municipal bond that is not needed for retirement income for the purchase of a life insurance policy. To learn more, click on the links below.
For more information, please contact your local Manulife Financial Representative or call the Advanced Markets Group at (888) 266-7498, option 3. |
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