In Times of Uncertainty, Certainty Has Value
Markets rise and fall. Rates shift. But one truth doesn’t change: we all have responsibilities that extend beyond today. Whether for your family, your business, or your legacy, life insurance offers something few assets can—certainty.
In our latest blog, we unpack how to view life insurance not just as protection, but as a strategic, non-correlated asset that brings strength to an overall plan. If you’ve been putting off a review, this is your nudge..
At C3 Financial Partners, we believe uncertain times call for stronger coordination, clearer thinking, and greater confidence—not hesitation.
Read It Here
IRS Applicable Federal Rate Update
The latest AFR rates have been released and this month, we saw a decrease in each of the short-term, mid-term and long-term rates. To see the updated rates, head to the link below.
And please note – you can access the link on our homepage to check current and historic AFR rates at any time!
See the AFR Report
Planning Through the Dip: Gifting Strategies in Volatile Markets
When markets are down, it’s natural to focus on losses. But for those thinking long-term, downturns can be windows of opportunity, especially when it comes to estate planning.
One powerful strategy? Gifting depreciated stock. By transferring assets while their value is temporarily reduced, you can move more wealth to heirs without exceeding gift tax limits and allow that value to grow outside your estate.
Pair this with life insurance, and you create a coordinated plan that provides both long-term growth potential for beneficiaries and immediate liquidity for your estate.
Volatility tends to be short-term. Planning is generational. Let’s make sure your strategy reflects that.
This material is intended for informational purposes only and should not be construed as tax advice or investment recommendations. Consult a tax advisor, investment professional, or insurance agent about the issues discussed herein.
From Thought to Action: Planning Wisdom from the Field
Planning, like farming, happens in seasons. And too often, we see clients get stuck waiting—circling decisions, hoping for better timing, or searching for the perfect conditions that never come.
This month, our founder, Todd Healy, has been sharing timely insights on LinkedIn about what really drives progress in planning: clarity about your objectives, confidence to move forward, and coordination across your advisors and strategies.
If you’ve been thinking about planning, but not yet acting, these posts are worth a read.
When was the last time you stress-tested your life insurance strategy?
As part of our collaborative process, we coordinate with your other advisors to review ownership, structure, premium design, and performance, all in the context of your broader estate or business plan.
