A Way to Leave a Legacy That Lasts
Life insurance is often viewed as a way to replace income or pay estate taxes, but its utility extends far beyond that.
In our latest blog, we explore how life insurance can be used to magnify and perpetuate charitable intent, turning modest annual premiums into transformational gifts for the organizations and causes that matter most.
At C3 Financial Partners, we believe in bringing clarity to a client’s philanthropic goals, confidence in how their legacy will be realized, and coordination across legal, tax, and financial advisors to ensure those values endure for generations.
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IRS Applicable Federal Rate Update
The latest AFR rates have been released and we saw an increase 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:
Sometimes, the hardest planning problems aren’t the technical ones. They’re the ones we quietly ignore.
This month, Todd has been exploring a theme that hits close to home for many families and business owners: the hidden cost of delay. Not having a current estate plan. Forgetting to update a beneficiary. Leaving a buy-sell agreement unfinished.
These are easy items to push off … but that doesn’t mean they stop affecting people.
As Todd puts it, “Avoidance may feel like deferral. But in reality, it’s delegation—you’re just passing the burden to someone else.”
Through a series of recent posts on LinkedIn, Todd has been urging readers to take a fresh look at the planning basics, not to be alarmist, but to be compassionate. Because the truth is, unresolved problems don’t disappear. They wait. And grow.
And when life changes suddenly, it’s the people around us, our families, partners, employees, who are left to sort things out.
From business succession to beneficiary designations, these reflections are a reminder that good planning isn’t just about efficiency. It’s about stewardship.
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
What’s Unresolved May Already Be Unfolding
Whether it’s an outdated beneficiary form, an unfinished succession plan, or a charitable vision you haven’t yet put into motion, unmade decisions have a way of affecting others, often when they least expect it.
This is your invitation to take a step forward.
Because when life insurance is used intentionally, whether to protect loved ones or to magnify your legacy through charitable giving, it becomes more than a product. It becomes a planning tool that brings clarity, confidence, and coordination to the moments that matter most.
Let’s talk about what needs attention now and what could have lasting impact for years to come.
