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When it comes to funding higher education or other passion projects through your estate, the choice between “life insurance vs 529 college” savings plans can be crucial. While 529 [...]

It seems strange to get penalized for dying, doesn’t it? If you really think about it, that’s what the IRS’s three year rule does. At least, that’s how I explained it to a client who wanted to [...]

Throughout her working years, our long-standing client, Ann, had regularly donated to charities. She was proud and happy to contribute to causes in which she believed, and to help those who [...]

I recently met with a new client, a 68-year-old retiree, re-evaluating her life insurance policy. Over the years, nearly $500,000 in cash had accumulated inside her policy, originally purchased [...]

Some of us amass enough wealth in our lifetimes to provide for not only our kids, but also our grandkids. What if you want to take this process a step further? Funding a dynasty trust with life [...]

Imagine being able to pass money tax-free to your children while simultaneously reducing the size of your taxable estate. This is exactly what a client of ours, let’s call him Charles, and his [...]

“Do we need life insurance if we don’t have kids?” This is something I hear a lot from childless couples who come into my office, and it’s a legitimate question. Life insurance isn’t just for [...]

In the sphere of prudent financial management and legacy safeguarding, the intricacies of estate taxation hold significant importance for high-net-worth individuals and especially for retirees [...]

Imagine working your whole life to build a legacy, only to have a large portion of it eaten away by estate taxes after you’re gone. At Howard Kaye, we specialize in helping clients protect [...]