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Increasingly, the investment community is buzzing about private placement life insurance (PPLI) and the benefits for those who are seeking greater tax-efficiency in their long-term financial planning. Still, many of the individuals qualified to purchase PPLI and their advisors do not understand the concept, including the rewards and the risks. At C3 Financial Partners, we work […]
C3 Financial Partners
Life Insurance Portfolio Management
Life insurance is often one of our largest assets. Yet, it is commonly unmanaged and misunderstood. For many, life insurance is viewed as a necessary evil – an expenditure that eventually provides cash to meet estate, personal and business obligations. Worse yet, the benefits are recognized at someone’s death, and this fact alone seems to […]
Fellow Advisors, “Life Insurance: A Valuable Contingent Asset Class?” is the title of a Trusts & Estates article published this month. The authors, Jay Judas and Michael Fontanini, are two of our colleagues. Jay is an independent life insurance consultant. We (our clients) have engaged him to provide an independent review/analysis. Michael is VP, Advanced […]
Earlier this year, we formed a strategic alliance with LifeTrends, a life insurance analytics company. LifeTrends provides up-to-date product pricing, advanced market research, detailed benchmarking, in-depth product analysis, and impartial reviews of life insurance products. We are the first and only independent life insurance firm to have access to the wealth of industry knowledge offered by LifeTrends. […]
Your support of a community organization is not just an act of generosity but can also be part of your overall planning.
Among the innovative strategies at the intersection of philanthropy and estate planning is the use of private placement variable annuities (PPVA) to make charitable contributions. A PPVA’s structure and features provide flexibility in planning, but also allow the donor or trustee, if trust owned, the freedom to make changes.
It is likely we will all need long-term care. Someone turning age 65 today has a nearly 70% chance of needing some type of long-term care services according to LongTermCare.gov. Many of us may have experienced a long-term care event through a family member or friend and have personally seen how impactful it can be, […]
Many of us may have experienced a long-term care event through a family member or friend and have personally seen how impactful it can be both emotionally and financially. For this reason, long-term care insurance is now at the center of many planning conversations. However, many high-net-worth individuals, who can potentially self-insure, tend to overlook […]
Without active management, life insurance can become a client’s largest unmanaged asset. When a comprehensive review is completed, there are often several surprising and sometimes unsettling discoveries. C3 has developed a thorough policy review process that helps us proactively monitor and protect your or your clients’ policies and adjust them as goals and objectives evolve. […]
Todd’s 2 Bits
Targeting The Horizon
A few years ago, a friend of mine challenged me with a question, “Does the…
With the colder weather upon us, it seems like coffee is powering us all through the day, and “Coffee with C3” is still going strong. We hosted our fourth 15-minute webinar in October, “Going in the Right Direction (Farther and Faster) Using the Compass.” Todd S. Healy, Carolyn J. Smith, and Celeste C. Moya sat […]