March 12, 2020

Maximizing Planning Flexibility in Times of Market Turmoil and Tax Uncertainty

Clients may feel uncomfortable making irrevocable gifts, especially if they feel that they might need the money in the future or if it turns out there is no estate tax. Fortunately, there is a planning solution that maximizes flexibility and control for peace of mind in just about any situation...
February 26, 2020

5 Ways to Maximize the Value of Your Employees and Your Business in the Real Estate and Construction Industry

Retaining key staff – those crucial to your organization’s ongoing success, even survival – is a critical, yet over-looked, aspect of transferring ownership of a company. Losing top employees can disrupt operations, impact current and future revenue and often causes a loss of morale, thereby lowering the appeal and value of your business...
February 15, 2020

Choosing the Right Leader for a Credit Union

Change is inevitable. At some point, every credit union must deal with the issue of succession, whether planned or due to unforeseen circumstances. Some plan for it in advance, while credit unions that find themselves unprepared may face chaos and […]
January 30, 2020

10 Years Later, Estate Planning Deja Vu – With a Twist

In 2009, I participated in a panel discussion at the University of San Diego. The panel was sponsored by the Burnham-Moores Center for Real Estate. The conference was covered by the media and the California Real Estate Journal wrote a follow up article on the ideas discussed. The other day, I was flipping through my resources and I came upon that article.
January 27, 2020

Maximizing Your 457(F) Plan

As a key executive, you know that the success of any credit union is determined by the quality of the people who work there. Credit unions, like other organizations, loathe turnover among key people because it leads to a reduction […]
January 9, 2020

Stretch IRAs Eliminated Under SECURE Act; What do IRA Owners do Now?

Stretch IRAs were effectively ended by the Setting Every Community Up for Retirement Enhancement Act of 2019 (“SECURE Act”), signed into law December 20, 2019. They allowed funds to potentially compound income tax-deferred for decades for children and grandchildren (tax-free […]
November 26, 2019

How Mandatory Updates to Reserving Requirements and Mortality Tables Could Impact Your Clients’ Life Insurance Coverage

Industry-wide changes are coming to the life insurance industry; what are they and how will they impact your clients considering acquiring coverage? What is PBR? Principle Based Reserving (PBR) is a new reserve method established by the National Association of […]