Your estate contains a profitable portfolio of properties with significant valuations.

•  Does your estate have enough liquid assets to cover the tax burden if you die?

•  Will your heirs and beneficiaries be forced to sell off properties at a disadvantaged price to meet the 9-month post death tax deadline?

LC Advisors developed solutions to improve liquidity for these types of estates.

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You worked hard to achieve financial success. Take steps to preserve that wealth for your family and/or a charitable mission that you are passionate about.

Specific insurance products can be used to distribute some of your wealth through structured policy arrangements that comply with current regulations.

Invite LC Advisor to meet with your Legal Counsel, Accounting Professional and Financial Planner to discuss the details of this wealth preservation strategy.

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For most closely held businesses, the unexpected death of an owner can be the worst-case scenario. The delicate balance between the business owners, their spouses and families and the employees and their dependents can be capsized in an instant. Other buy-out triggering events include the disability, retirement or bankruptcy of a partner. Benefits of the Buy-Sell

1. Creates market for an illiquid asset, converting it to cash.

2. Avoids forced sale to raise cash.

3. Controls ownership–so that surviving owners avoid being in business with a deceased owner’s spouse or other family members.

Design and Funding considerations include:

• Value of Business, Agreement Terms, payout-lump sum, installments and triggering events.

• Structuring buy-sell agreement: cross purchase, entity redemption or wait-and-see.

• The business’s current value and how it will be determined in the buy-sell agreement.

With all of the different variables and contingencies, you need a real expert to help you figure out the best plan for you, your company. Many insurance agents approach business owners pushing the need for a buy-sell - they're just looking to sell a couple of insurance policies. You need a business contingency expert to help you take a comprehensive analysis of all possible situations. If you've not done this planning - or not reviewed it in awhile - I'd love to have a conversation. I'm sure I can help you identify some issues or give you a few ideas whether we ever work together or not.

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BUY - SELL FUNDING AND BUSINESS VALUATION CHECKLIST

Preserve wealth with long-term care insurance to pay uncovered care expenses. Your medical insurance and Medicare may not cover the cost of some or all your long-term care services. These unexpected expenses can range from thousands to millions of dollars over the course of an extended illness.

LC Advisor can determine the best long-term care policy for your wealth preservation goals.

• Our long-term care strategies explore the tax efficiencies of investments in your portfolio to pay the premiums.

• Other insurance instruments offer long-term care riders that can be used by both spouses and provide a death benefit to heirs.

Your Financial Advisors may not be aware of the tax efficiencies that exist in your investment portfolio to pay long-term premiums.

Contact LC Advisor to see if long-term care insurance can protect your wealth and be affordable at the same time.

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Disability Insurance is designed to get you back to work. Make sure your Disability Insurance covers your return to a commensurate job with comparable compensation in your field of expertise.

Let LC Advisor take Disability Insurance to the next level and customize a policy to include thresholds specific to your profession or expertise.

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