Wealth Transfer and Income Planning
At IPS Advisors, we are aware that each client has unique needs and concerns. That is why we try to develop and implement strategies specially designed for those unique needs based upon each client's particular personal, family and economic circumstances. Our strategies include:
- Establishing Financial Goals
- Gathering Data
- Discuss and Develop Strategies
- Implement a Plan for You
- Periodically Review
We know that things change with time, including personal situations and estate laws. These changes need to be monitored as they occur and the ongoing process needs to reflect the impact of changes as they occur. Let IPS Advisors help you through this process.
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*Premium Financing is complex and involves many risks, such as the possibility of policy lapse, loss of collateral, interest rate and market uncertainty, and failure to re-qualify with the lender to keep the financing in place and maintain the desired level of insurance protection. In certain situations, additional out-of-pocket contributions may be required to retire the debt and/or maintain the desired level of insurance protection. A well planned exit strategy should be in place prior to accepting any financing arrangements.
**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.
