Gonzalo Garcia – When advising clients on estate planning, advisors, clients, and their families would be well served to focus on gift planning. The term “estate planning” is often interpreted as “estate tax planning” for High-Net-Worth individuals and\or families, specifically those that have a net worth more than the Federal Estate […]
Gonzalo Garcia – For those of us who have been in the estate, retirement or financial planning profession for many years, we have all heard the sales approach of asking your clients “if you had the choice to disinherit either the IRS, your children, or charitable organizations, which ONE would you pick?” If […]
Gonzalo Garcia – I recently read an article by Ashley Terrell, IAR in Kiplinger Magazine entitled Widow’s Penalty: Three Ways to Protect Your Finances. It is well written and lays out some very real financial problems and decisions that widows are faced with when they should be afforded the time to grieve. The three […]
The AgencyONE Case Design team’s custom comparison tools are an important resource that help AgencyONE 100 advisors present their cases clearly and efficiently – highlighting the most competitive solutions in a streamlined format. By consolidating critical information into a single, one-page presentation, these complex cases are easier for clients to […]
Gonzalo Garcia – In the April, 2025 Advanced Markets ONE Idea from AgencyONE, it was discussed that there would often be calls from advisors saying that their client, “John”, an S-Corp owner, wants to implement a Non-Qualified Deferred Compensation (NQDC) Plan and that after some discovery, a NQDC Plan may not be […]
“I have a client who wants to implement a Deferred Compensation Plan”. Gonzalo Garcia – I cannot count the number of times, over the course of my career, that I have had a call from an Advisor making this request. Upon asking a few questions and having a short discussion, […]
One of AgencyONE’s carrier partners – John Hancock – recently launched LifeCare (Hybrid LTC), an innovative addition to AgencyONE’s hybrid long-term care (LTC) offerings. This hybrid Indexed UL with LTC benefits is designed for clients seeking a policy that provides multiple advantages: more growth, more choice, and more tax-favored treatment. LifeCare stands out from other carriers as […]
Gonzalo Garcia – I Want to Leave My Grandson a $500K Inheritance and Skip My Daughter. Can I Gift to Him Directly? | Moneywise. This was the question posed by a reader to Moneywise writer Maurie Backman in the above-linked article dated January 31, 2025, or maybe it was just […]
Ed Stark – Welcome to 2025! AgencyONE’s October 2024 case design ONE Idea featured my interview with OneAmerica’s Regional Account Director for Care Solutions, Brian Shepard, CLTC, in which we discussed the carrier’s Hybrid LTC solutions. In that article, we noted that OneAmerica would be updating their individual and joint Asset Care […]
“This fabled golden era, this special world of luxury and privilege that the Vanderbilts created, lasted but a brief moment. Within thirty years after the death of the Commodore Vanderbilt in 1877, no member of his family was among the richest people in the United States…. When 120 of the […]