Insights
Writing from the practice
Notes on advanced planning from the people doing it: what we see across tax, estate, risk and succession, and what it costs when those pieces are handled separately.
LatestDon’t Wait: Proactive Estate Planning Strategies for 2026If you’ve been putting off your estate planning, I want to give you a friendly but firm nudge: now is the time to act.
- Shielding Your Business from the 5 Ds – My Insights from a Vistage Group MeetingHello, everyone. I’m really happy to share my experience from a special morning at Hotel La Rose. I joined a group of business owners led by Vistage Group Leader, Bill Vick.
- The Critical Role of Strategic Exit Planning for Business OwnersI’m here to shed light on the importance of strategic exit planning and how it can reshape your business’s destiny.
- The 5 D’s of Business Risk: Are You Prepared?From sudden accidents to unforeseen disagreements, every business owner should be ready for the 5 D’s: Death, Disability, Divorce, Disagreement, and Distress.
- Closing Life Insurance Awareness Month: Is Your Life Insurance Keeping Up with Your Life’s Changes?As life changes, so should your policy. From family support to business needs and estate planning, life insurance offers more than just peace of mind. Need a review or insights on maximizing benefits?
- Empowering Financial Pros at Phoenix EventThe focus? Empowering financial advisors and life insurance agents to maximize their potential with business owners.
- Beyond Insurance: Crafting a Comprehensive Long‑Term Care PlanInsurance is just one part of a comprehensive plan. With changing landscapes and financial uncertainties, a well‑thought‑out plan is crucial.
- Tackling 3 Often Neglected Areas of Your Business: Buy‑Sell, Employee Rewards & RetirementReflecting on my busy week as a business owner, I realized something important: I forgot to post any videos.
- Term vs. Permanent Life Insurance: What You Need to KnowTerm Life Insurance provides coverage for a set period, primarily used for income replacement in case of premature death.
- Charitable Giving with Benefits: The Power of CRTsJust had an inspiring visit to Canine Companions last week and wanted to share a valuable strategy for your charitable planning.
- Avoid the 401K and IRA Tax Trap with Cash Value Life InsuranceThe 401K and IRA Tax Trap can be a real issue in retirement, but Cash Value Life Insurance might be your ticket to freedom.
- 3 Buckets of Tax Diversification: Taxed Now, Taxed Later, and Taxed NeverImagine the IRS as your business partner – wouldn’t you want to buy them out upfront in the tax‑free bucket?
- The Power of Teamwork in Wealth StrategyComing to you from Austin, Texas, where I’m attending my son’s soccer event, I’ve been reminded of the essential role that teamwork plays in both our personal and professional lives.
- Long‑Term Care Planning: Protecting Your Future and FamilyUnexpected accidents and illnesses can also happen, which can severely impact you and your family. Hence, Long‑Term Care Insurance is becoming increasingly important.
- Optimize Your Buy‑Sell Agreement with Smart Funding Solutions Using Cash‑Value Life InsuranceCash value life insurance offers a flexible, tax‑efficient solution that not only covers death benefits but also helps with disability and retirement– which are statistically more likely to occur.
- Retain Top Talent with Non‑Qualified Deferred Compensation (NQDC) PlansNQDC plans are a creative way for employees to save for retirement by deferring part of their salary. What’s more, they offer flexible funding options, including life insurance, which can provide…
- Split Dollar Loan Regime: A Win‑Win for Employers and EmployeesIn this arrangement, the employer loans the executive the premiums for a cash‑value life insurance policy, with the executive collaterally assigning an interest in the cash value and death benefit of…
- Josh Sterling Becomes Accredited Estate Planner®Josh Sterling, a comprehensive Wealth Strategist, has been certified as an Accredited Estate Planner® (AEP®) designee by the National Association of Estate Planners & Councils (NAEPC) on April 12th…
- REBA (Restrictive Executive Bonus Arrangements): A Strategic Tool for Employee RetentionAs a Camas Advice Wealth Strategist, I provide informative and educational content on all things related to orchestrating your wealth.
- Reward Key Talent with Cash‑Value Life Insurance Executive BonusesAs a business owner or executive, you know how important it is to have a strong team. This strategy can help you do just that.
- Secure Your Business’s Future with “Key Person” InsuranceThat’s why Key Person Insurance is one of the most important types of insurance for small business owners. What is Key Person Insurance?
- Josh Sterling’s Remarkable Achievement: Top of the Table Million Dollar Round Table QualificationJosh Sterling, a highly esteemed Wealth Strategist at Camas Advice, LLC in Windsor, CA, has attained the prestigious Top of the Table qualification, a significant accomplishment in his membership…
- Building Tax‑Free Wealth with the Swiss Army Knife of Financial Planning: Permanent Life Insurance – 001: An IntroductionAs I mentioned in my previous posts and emails. I am going to provide more content about life insurance as a tax‑free planning tool.
- What Is A Business Prenup and Which Businesses Should You Approach?Ever wondered what Business Prenups and Buy‑Sell Agreements are, especially when it comes to being a life insurance advisor?
- 10 MINUTE CONCEPTS: What Are Multi‑Life Guaranteed Issue Life Insurance Programs? Part 1
- Recap of the 2018 Pacific Life Educational SymposiumIt was a great honor for Rick and me to be invited to the Pacific Life Educational Symposium at the Hyatt Regency in Huntington Beach, California.
- How Retirement Planning Can Supplement Life Insurance“Life insurance as a retirement strategy” (LIRS) is an invaluable strategy for financial professionals to retain clients by helping them maximize their cash values for retirement.
- Buy‑Sell Agreements: The Business PrenupA buy‑sell agreement is a key part of any business arrangement. The buy‑sell agreement is the “prenup” that determines what happens when the business arrangement breaks up.
- Simplifying Premium FinancingThe ability to leverage has always been intriguing. Borrowing money to pay the premiums for life insurance is no different.
- Three Succession Solutions for the Family BusinessMany families fail to successfully pass their business on to the next generation due to failure to plan for the transition.
- Threats to RetirementAs you climb the retirement mountain, you are trying to accumulate as much wealth as possible. Each of you will get there at your own pace, but everyone is looking forward to the view from the top of…
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