A Note From Our Team
As a Texas-based firm, our hearts are with the individuals, families, and communities affected by the recent flooding in Central Texas. These events are a sobering reminder of how quickly life can change.
For those looking to help, here is an article listing a number of organizations where you can donate to Central Texas flooding relief.
Reevaluating Old Policies, Revealing New Value
Life insurance isn’t always forever. Policies that once made perfect sense can become misaligned with today’s goals…or even burdensome.
In our latest blog, we walk through the options available when a life insurance policy is no longer wanted or needed, including real-world case studies that show how clarity, creativity, and collaboration can uncover new value in old coverage.
At C3 Financial Partners, we help clients gain clarity around their current insurance holdings, confidence in their decision-making, and coordination with legal and financial advisors to implement the most appropriate strategy moving forward.
Read It Here
IRS Applicable Federal Rate Update
The latest AFR rates have been released and we saw an decreases in each of the short-term, mid-term rates 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
From the Founder: Insights That Matter
Welcome back to From the Founder.
Todd Healy, Founder of C3 Financial Partners, brings over four decades of experience in guiding families and business owners through the complexities of wealth preservation and legacy planning. His reflections offer clarity, confidence, and coordination—the core principles that define our approach. Here’s what Todd has been thinking about lately:
Life insurance can be one of the most powerful tools in a plan. Until it’s not.
Recently, Todd shone a light on a risk that many clients (and their advisors) don’t see coming, neglected life insurance policies. Through a recent article on LinkedIn, he shared examples of what happens when policies are left unreviewed, including rising premiums, underperformance, and even accidental lapses.
But the real cost? It’s often reputational. When something goes wrong with a policy, clients aren’t just surprised, they’re disappointed. And those disappointments have ripple effects that reach attorneys, wealth managers, accountants, and anyone else who was part of the planning process.
That’s why Todd continues to advocate for regular, independent policy reviews. Whether a client no longer needs the policy, as we discuss in this month’s featured blog, or the coverage just needs a tune-up, it’s far better to find out now than after it’s too late.
Because protecting your clients also means protecting your credibility.
Explore more of Todd’s insights and how they can inform your financial planning journey by visiting his LinkedIn profile.
Visit Todd’s LinkedIn profile
From Complacency to Confidence
Old policies don’t just fade quietly into the background, they create consequences. Whether a policy is no longer needed, no longer performing, or simply hasn’t been reviewed in years, inaction can lead to financial strain, missed opportunities, and strained relationships.
This is your opportunity to reassess.
Because when life insurance is regularly reviewed and thoughtfully integrated into a broader plan, it doesn’t just protect, it empowers. It becomes a tool for clarity, a source of confidence, and a point of coordination among the advisors who help shape your legacy.
Let’s schedule a conversation to evaluate what’s working, what’s not, and what needs to change…before surprises do it for you.
