Premium financing is a sophisticated insurance funding strategy wherein the policyholder uses a loan from a third-party lender to pay the policy’s premiums. This complex technique requires careful consideration and the advice of a policyholder’s financial advisor, tax advisor, and estate planning attorney. While not suitable for everyone, high net worth clients can benefit from this powerful tool in the right circumstances.
PREMIUM FINANCING
PREMIUM FINANCING
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Wealth management is a comprehensive financial service that combines various financial disciplines and services to meet the needs of affluent clients. It's an integrated approach aimed at helping individuals manage their wealth, plan for their financial future, and achieve their financial goals. Wealth management is a sophisticated service that combines various aspects of financial planning and management to help affluent clients navigate their financial journey, manage their assets effectively, and achieve their long-term financial objectives.
WEALTH MAnAGEMENT
WEALTH MANAGEMENT
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Retirement income planning is the process of preparing for the financial aspects of retirement, helping ensure that an individual will have adequate funds to support their lifestyle once they are no longer earning a regular income from employment. It involves a comprehensive approach to financial goals, saving strategies, investment planning, and risk management. The aim is to help clients secure a stable and comfortable life during the retirement years, which could span decades.
RETIREMENT INCOME
PLANNING
RETIREMENT INCOME PLANNING
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Starting your financial journey can be simple and empowering with AMC Legacy Builders. We're dedicated to making wealth management accessible and tailored to your needs. Whether you're new to investing or aiming to protect your assets, our team is ready to guide you at every step.
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PREMIUM FINANCING
- Cash Flow Management: It allows individuals or businesses to maintain their liquidity and use their capital for other investments rather than tying it up in insurance premiums.
- Estate Planning: High-net-worth individuals may use premium financing as part of their estate planning strategy, allowing them to pass on a larger estate to their heirs.
- Leverage: By using borrowed funds to pay premiums, policyholders can potentially leverage their investment in a life insurance policy.
- Tax Advantages: There might be certain tax advantages depending on the jurisdiction and the structure of the premium financing arrangement.
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As with all planning strategies there are risks and drawbacks. Ready to learn more?
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WEALTH mANAGEMENT
- Investment Management: This involves creating and managing an investment portfolio to achieve the client's financial goals while managing risk. It can include the selection of stocks, bonds, mutual funds, and other investment vehicles.
- Financial Planning: Wealth managers work with clients to create a financial plan that covers various aspects of their financial life, including savings, investment, retirement, and tax planning.
- Tax Planning: Understanding and planning for the tax implications of investment decisions and income is crucial for maximizing wealth. This includes strategies for minimizing taxes on income, investments, and estate transfers.
- Risk Management: Identifying and managing risks to the client's wealth, including insurance planning to protect against unforeseen losses due to death, disability, or property damage.
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RETIREMENT INCOME PLANNING
- Assessment of Retirement Goals: This involves helping determine the lifestyle an individual or couple desires during retirement, including where they want to live, activities they plan to engage in, and any goals, such as traveling or pursuing hobbies.
- Calculation of Retirement Needs: Estimating the amount of money required to fund the retirement lifestyle, taking into account living expenses, healthcare costs, inflation, and any other anticipated needs.
- Savings Strategy: Developing a plan to save the necessary funds for retirement. This includes deciding how much to save each year and choosing the appropriate savings vehicles, such as 401(k) plans, IRAs, or other retirement savings accounts.
- Investment Planning: Selecting investments that have the potential to grow the retirement savings over time, taking into account the individual's risk tolerance and time horizon. This might include stocks, bonds, mutual funds, and other investment vehicles.
- Risk Management: Considering insurance and other strategies to help manage risks that could impact retirement funds, such as long-term care needs, healthcare costs, and life expectancy.
- Tax Planning: Strategies to help minimize taxes on retirement income and withdrawals from retirement accounts, aimed at allowing that savings last longer.
HOW IT CAN HELP...
Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.
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