High net worth (HNW) families in the United States increasingly use Irrevocable Life Insurance Trusts (ILITs) to transfer wealth, provide estate liquidity, and mitigate transfer …
Grantor vs Non-Grantor ILITs: Tax Implications and Best Practices for HNW Clients
Irrevocable Life Insurance Trusts (ILITs) are a cornerstone planning tool for high-net-worth (HNW) clients who want to transfer wealth efficiently and keep life insurance proceeds …
How to Structure an ILIT to Keep Large Life Policies Out of the Taxable Estate
For high‑net‑worth families in the United States—especially in wealth centers like New York City, San Francisco, Los Angeles, Houston and Dallas—properly structuring an Irrevocable Life …
Integrating Liquidity Planning and Tax Forecasting: Insurance Models for Estate Tax Reduction
High-net-worth (HNW) estates face two interlinked problems: projecting future estate tax exposure and ensuring there is liquid capital at death to pay taxes without forced …
State Estate Tax Triggers and Insurance Strategies for Multi-State High Net Worth Families
High net worth (HNW) families with assets across multiple U.S. states face a complex interplay of federal and state estate tax regimes. Insurance — when …
Timing Gifts vs Buying Insurance: Tactical Moves to Reduce Federal and State Estate Tax
High-net-worth (HNW) families face two recurring questions when designing transfer strategies: should you accelerate gifts now to remove assets from your taxable estate, or buy …
When to Accelerate Gifting vs Buying Insurance: Tactical Roadmap for Estate Tax Mitigation
High-net-worth (HNW) families in the United States face two core levers for reducing estate tax exposure: accelerating lifetime gifts (using annual exclusions, outright gifts, or …
Regulatory Pitfalls and Audit Risks When Using Insurance for Estate Tax Mitigation
High net worth (HNW) families in the United States commonly use life insurance to provide estate liquidity, equalize inheritances, and mitigate federal and state estate …
Modeling Estate Tax Liability: How Insurance Can Plug Liquidity Gaps for HNW Estates
High-net-worth (HNW) estates frequently face a structural problem: large, illiquid asset bases (real estate, privately held companies, concentrated stock) versus a sudden, significant estate tax …
Combining Trusts and Insurance to Minimize Estate Tax: GRATS, SLATs, and ILITs in Action
High-net-worth families in the United States increasingly combine advanced trust structures with life insurance to preserve wealth, create liquidity for tax payment, and move growth …