Estate Planning
Estate Tax Liquidity Planning
You can protect the financial security of your loved ones and your business with a proper plan.
Provide for Estate Taxes
Create liquidity through life insurance.
If most of your net worth is tied up in your business or real estate, read on.
Your business or real estate is likely to be a largely illiquid asset; it cannot be quickly sold. In some cases, your heirs would not even want to sell your real estate or business. Despite this, estate taxes still must be paid in cash within 9 months of your demise.
Do you know how your heirs will pay the fees that will become payable for your estate? Will they have to cash out savings and investment accounts, which could have provided them lifetime income or retirement security? Would they have to sell illiquid assets at potentially a huge discount, just to get the cash needed in time?
When structured properly, a life insurance policy can accumulate cash value on a tax deferred basis. Also, the death benefit can be exempt from income and estate taxes, thereby allowing your heirs to use it to pay outstanding debts as needed.
Your business or real estate is likely to be a largely illiquid asset; it cannot be quickly sold. In some cases, your heirs would not even want to sell your real estate or business. Despite this, estate taxes still must be paid in cash within 9 months of your demise.
Do you know how your heirs will pay the fees that will become payable for your estate? Will they have to cash out savings and investment accounts, which could have provided them lifetime income or retirement security? Would they have to sell illiquid assets at potentially a huge discount, just to get the cash needed in time?
When structured properly, a life insurance policy can accumulate cash value on a tax deferred basis. Also, the death benefit can be exempt from income and estate taxes, thereby allowing your heirs to use it to pay outstanding debts as needed.
Other Estate Planning Services
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We create custom business planning and wealth preservation solutions.
Our clients include small to mid-size businesses, foreign nationals and high net worth individuals.
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