Archives

It’s a question we hear a lot from clients when we first meet to discuss life insurance policies: “What’s the difference between universal life vs indexed universal life insurance?” Well, there’s [...]

A lot of people like to treat their life insurance policy like a hurricane preparedness kit. They buy it, file it away, and assume it will just stay good forever. But there are dozens of reasons [...]

Are you aware that recent changes by the IRS can help you save significantly on your long-term care insurance premiums? By understanding the nuances of tax deductions for long-term care, you can [...]

Most people in the tech world know the story of Ron Wayne. He was one of the early founders of Apple, but unfortunately for Wayne, he sold out early. He sold his 10% share of Apple in 1976 for [...]

Whenever we have a new client come through our doors, we like to take a look at what policies and irrevocable life insurance trusts (ILIT) they already have in place. Often, we see a pattern when [...]

“Do I always need a trust? It seems so complicated.” While we at Howard Kaye almost always recommend the use of a trust, we admit that the creation of these trusts can be pretty complex. So when [...]

“Do I really need life insurance riders if my policy is held in a trust? Can I even use them?” That’s a question we get from a lot of clients who are considering a new policy and don’t know if [...]

I recently met with a client, Bob, who is a 65-year-old doctor approaching retirement. He has a defined benefit pension and Social Security, but he really wants to grow his portfolio assets [...]