Estate Planning Blog

What Is Captive Insurance? A captive insurance company is an insurance vehicle you own, not an outside carrier. For business owners paying six-figure premiums, it’s a powerful tool to control risk, retain profits, and unlock tax advantages—all while customizing coverage to your unique business needs. 1. The High Premium Trap Take Mark, for example. His […]

If you're a business owner with an LLC, chances are you set it up for protection. But what most entrepreneurs don't realize is that simply having an LLC doesn't protect you—especially if it's set up or maintained incorrectly. In this post, we’re breaking down some of the most common (and costly) LLC mistakes we see […]

Most affluent professionals max out their 401(k)s, SEP IRAs, and traditional retirement vehicles—but find themselves still paying high taxes and facing market volatility. That’s where 412 (e)(3) plans come in: These IRS-approved, defined-benefit structures offer larger pre-tax contributions, protection from market swings, and creditor safeguards. What Exactly Is a 412 (e)(3) Plan? A 412 (e)(3) plan is a […]