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Every year, life insurance carriers capture approximately $25 billion of economic value from policy owners and trust beneficiaries when the policies of older insureds are surrendered or allowed to lapse. Of that amount, high-net-worth families forfeit around $10 billion because they weren’t aware of how they could recapture the value of those policies through a transaction called a life settlement, which is the sale of a life insurance policy from the original owner to a third party.

News, advice, and responses are quickly evolving regarding the global Novel Coronavirus Disease (COVID-19) outbreak and the related global economic downturn. The impact of the dual crises creates anxiety but also inspires generosity and compassion even as the uncertainty of what happens next shakes our confidence. In this guide, Leadership in Difficult Times, it provides resources and inspiration from giving families, funders, and philanthropy organizations for short-term responses to the COVID-19 and economic crises.

Understanding premium municipal bonds can be difficult for even the most seasoned investors. Munis are underwritten with a laundry list of complexities such as yield, maturity, call date, duration, and credit. The myth that investors lose the premium at maturity isn’t only false, it may also lead to poor decision-making as focus shifts to avoiding premium municipal bonds altogether. Once investors can tell the difference between fact and fiction with regard to premium prices of municipal bonds, investors will be prepared to make decisions leading to better investment outcomes.

Markets have just witnessed the biggest decline in crude prices since the Gulf War. What does this mean for commodity investors in the U.S. and around the globe? A closer look at what might have caused the oil collapse reveals how it can impact investor expectations for the near term.

The passage of the Coronavirus Aid, Relief, Economic, and Security (CARES) Act brings much needed tax relief to individuals, families, and businesses. While the CARES Act provides many potential sources of relief, the focus here is on the key personal and business tax provisions in the Act, and how such measures can provide support in the short term, as well as further down the road.

Whether it's a cabin in the woods, a house, or condo on the beach or a chalet in the mountains, your vacation home can be a wonderful place to relax and unwind. However, secondary residences require additional precautions compared with your primary home.

When considering where to establish a Private Family Trust Company (PFTC), South Dakota is continually chosen as the top regulated PFTC jurisdiction in the United States. The low PFTC capital requirements and maintenance costs make the set-up an easier process.

When evaluating and trying to find the right insurance advisor or company, it helps to have a map outlining the RFP process and a checklist of best practices. Learn where to start in your search and avoid getting the wrong results.

In this episode, Amy speaks with Dr. Dennis Jaffe, an organizational consultant, clinical psychologist, and one of the leading thinkers on how multi-generational families can enhance governance and empower next-generation leadership. Dennis and Amy talk about the impact of the coronavirus pandemic and how the uncertainty in today’s world plays out in wealthy families and increases the temptation for rash or reactionary decision making. Topics discussed:

Through thoughtful planning, there are ways to anticipate many possible issues—including the unanticipated—when doing your long-term and perpetual intergenerational trust planning. Consequently, detailed and flexible trust drafting is generally very helpful.