Estate Preservation and Liquidity Planning


If Not Now... When?

Most people consider estate planning to be a daunting task; one in which they prefer to continually put off until another day. Research shows there are actually three main items that stop people from completing their estate planning. Which one is stopping you?

  1. Lack of clarity on what you want to accomplish.
  2. Lack of confidence in the planning you've already done, or in your current advisors.
  3. The idea that estate planning is an event - not a process.

Planning Helps to Paint a Clear Picture

At IPS Advisors we use a proven planning process to help you clarify what you want to accomplish with your estate plan. We ask informed questions, but more importantly we listen to you so your plan truly reflects your goals and aspirations.

From Complex to Confident

We break down complex issues so they can be understood. It is our job to make your planning options clear.

The Only Constant is Change

Finally, we show you how estate planning is a process - not an event. People’s lives change over time. Family situations change, financial situations change, and tax laws change. We incorporate all these variables into the planning process, and we are there to support you and to manage your plan as these changes occur.

Wealth Transfer and Income Planning

This material is for informational purpose only and is not meant as tax or legal advice. Please consult with your tax or legal advisor regarding your personal situation. NFP does not provide legal or tax advice.

To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained in this communication, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed herein.

Due to the relatively short period of time the life settlement market has existed, the market is currently loosely regulated and the number of bidders for any marketed policy may be limited. Prior to selling a policy, the insured should consider factors such as the continued need for insurance coverage, whether there are plans to replace the existing policy with another policy, how the sale of the policy will impact estate plans, and the availability of new insurance as well as the cost of comparable coverage. Where relevant, tax implications must also be taken into consideration.

Loans and withdrawals from insurance policies may generate an income tax liability, reduce available cash value and reduce the death benefit or cause the policy to lapse. Early withdrawals and other distributions of taxable amounts may be subject to ordinary income tax, a surrender charge, and if taken prior to age 59 ½, a 10% federal tax penalty may apply.

All guarantees are subject to the claims paying ability of the issuing insurance company.

Securities offered through Registered Representatives of NFP Securities, Inc., A Broker/Dealer and Member FINRA/SIPC Investment Advisory Services offered through Investment Advisory Representatives of NFP Securities, Inc. a Federally Registered Investment Advisor. IPS Advisors, Inc. is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners Corp., the parent company of NFP Securities, Inc. This site is published for residents of the United States only. Registered representatives and investment advisor representatives of NFP Securities, Inc. may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed.

For additional information, please contact the NFP Securities, Inc. Compliance Department at 512.697.6000

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