NSURANCE AND ESTATE PLANNING

Comprehensive financial planning combines well selected investments with insurance protection. We realize that everyone's family profile and economic situation is unique, and therefore estate planning is highly individualized and personal matter. We can help you plan an investment strategy that allows for a combination of protection, as well as capital growth. The following are the products and services we provide:

 

Life Insurance

Federal estate tax rates are progressive, and can be as high as 55%. Proper planning can facilitate the efficient transfer of your assets to your beneficiaries, as well as reduce the estate transfer costs due at your death. For example, by placing your life insurance in an irrevocable trust, the proceeds are not taxed in your estate. In so doing, you can plan to have the necessary cash to pay the IRS.

 

Long Term Care

Many people incorrectly assume that "The Government" will pay for their nursing home and/or home health care. In fact, Medical will only pay for them after you have depleted most of your assets. Therefore, Long Term Care Insurance can be thought of as asset protection insurance. Comprehensive LTC provides for nursing care, home health care, adult day care, and custodial care.

 

Annuities

Some of the benefits of annuities include: tax-deferred growth, guaranteed death benefits, avoidance of probate, guaranteed minimum interest rates, and income for life programs. We offer both fixed and variable annuities, as well as the new index annuities. Please note that the guarantees are based on the claims' paying ability of the issuer, and that any withdrawals before age 59 1/2 may be subject to a 10% IRS penalty.

 

Business Insurance

Types of business insurance include Group Health, Life, Dental, Disability, Key Person, and Buy-Sell Agreements.

 

San Francisco

1 (415) 398-1400