Our focus centers around life insurance, COLI & life settlements. @DarrenGallaway @JimRoberson serve clients with custom solutions. https://xitter.cf/t.co/cwktdoTsz6
Orange County, CA
Joined April 2011
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You've worked a lifetime to build your wealth. Have you planned how to pass it on? Thoughtful wealth transfer planning helps protect your family, preserve your legacy, and transfer wealth efficiently. #wealthtransfer #lifeinsurance trcfinancial.com/post/a-guid…
For families using life insurance or PPLI, where the trust is established matters. Explore why South Dakota is worth evaluating, including Directed Trust flexibility, tax considerations, and the role of a trust company like @BridgefordTrust #lifeinsurance trcfinancial.com/post/why-us…
If PPLI is already part of your planning conversation, timing may matter. Expected Section 7702 changes in 2028 could reduce future funding efficiency for new policies. #PPLI #privateplacementlifeinsurance trcfinancial.com/post/2028-s…
A reminder that buying a life insurance policy is only the beginning. Life insurance is a long-term asset that requires ongoing management. We believe servicing the policy is just as important as placing it. #lifeinsurance #LifeInsuranceAwarenessMonth trcfinancial.com/post/life-i…
An ESOP is a powerful succession strategy, but it comes with a long-term financial obligation: the repurchase liability. #ESOP #Liabilities trcfinancial.com/post/esop-r…
Life insurance can be just as important in retirement as it is during your working years. When one spouse passes away, income may fall while taxes and household expenses remain. #RetirementPlanning trcfinancial.com/post/why-li…
CFOs: Is idle capital trapped in underperforming legacy COLI & BOLI policies? #CFO #COLI #BOLI #LifeInsurance trcfinancial.com/post/opport…
What would happen to your business if your founder or key executive unexpectedly passed away tomorrow? Many companies insure their buildings, equipment, and IP, but overlook their most valuable asset: their people. #keyperson #keyemployee #lifeinsurance trcfinancial.com/post/what-i…
Life insurance has evolved beyond estate liquidity. Today, affluent families use it as an asset location strategy - moving investments from taxable accounts into a tax-advantaged environment for tax-deferred growth, living benefits, and a tax-free legacy. trcfinancial.com/post/the-co…
SECURE 2.0 just unlocked PENALTY-FREE early withdrawals (say goodbye to the 10% penalty under 59½) to pay for Long-Term Care insurance. ⚠️ THE CATCH: This isn't automatic. Your employer MUST actively opt-in. trcfinancial.com/post/the-ne…
Don't need your IRA for income? Passing it to heirs triggers taxes & the SECURE Act's 10-year rule. IRA Optimization uses distributions to fund life insurance to maximize the efficiency of your legacy. #IRA trcfinancial.com/post/how-to…
Treating life insurance as “set it & forget it”? You may be overpaying, or risking surprises. Annual statements show the past, not future performance or inefficiencies. #lifeinsurance trcfinancial.com/post/life-i…
With the U.S. emerging as a top destination for global capital, U.S. life insurance is the most powerful, overlooked tool for protecting multi-national wealth. Here's why #globalcitizens #lifeinsurance trcfinancial.com/post/naviga…
PHL Variable’s liquidation is a reminder: pricing integrity matters more than the lowest premium. Life insurance is a long-term promise, built on disciplined assumptions, not short-term pricing. #lifeinsurance trcfinancial.com/post/naviga…
Thinking of surrendering your life insurance policy? Stop and check the tax math first. 🛑 Selling it might unlock surprising tax advantages, especially if you can leverage a capital loss. #capitalloss #lifeinsurance #lifesettlement trcfinancial.com/post/how-li…
State estate taxes are a hidden threat to wealth. Even if your estate is well below the federal exemption, 16 states + D.C. impose their own estate or inheritance taxes. #taxes trcfinancial.com/post/naviga…
Did you know that transferring a life insurance policy during a business deal could accidentally turn a tax-free benefit into a taxable one? #lifeinsurance #COLI #merger #acquisition trcfinancial.com/post/code-s…
The recent tax reform brings meaningful shifts in the way affluent individuals and business owners can leverage life insurance as part of their financial & legacy planning. #lifeinsurance #affluent trcfinancial.com/post/how-bu…
Discover 7 advanced life insurance strategies for high-net-worth families to minimize estate taxes, create liquidity, and protect multi-generational wealth. #lifeinsurance #estateplanning trcfinancial.com/post/how-hi…
Life insurance is generally not considered U.S. situs property.
That means a nonresident alien can own a U.S. life insurance policy, and the death benefit is typically not subject to U.S. estate tax. #globalcitizen trcfinancial.com/post/u-s-li…
