Services & Capabilities


Wealth Transfer Planning

We understand the special tax and accounting needs of our clients - the new and changing tax laws and volatile economic conditions. Whether you are a high net worth individual or a large family group, our wealth planning professionals will help guide you through your individual planning process.

Estate Planning

Estate Planning is not just about what happens after you die. A good estate plan is designed to let you, not the courts, keep control of your assets with the least amount going towards taxes and legal fees. And the best time to plan for your estate is now, while you can – before you or your beneficiaries need it. Our planning professionals can assist you in making your wishes become a reality.

Risk Management/Business Succession

Your business may be the most valuable asset in your entire estate. And yet, in our experience we have found that most family-owned businesses will not survive the first generation due to taxes, legal issues and unfortunately, sometimes family disputes. IPS Advisors can work with you and your organization to develop a plan to help avoid these matters so that your personal estate plan, insurance policies and business estate plan are all connected and in line with your goals.

Charitable Giving

We are prepared to help our clients simplify their charitable giving while helping others to take advantage of potential tax savings. We can provide a way to help individual donors with their planning in a variety of creative ways and enable them to pass along family history and values to future generations to come.

 

NFP Securities, Inc. does not provide legal or tax advice.  Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax and legal counsel.

 

*Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements.  The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sell of a Life settlement.

 

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.

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.

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.

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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