Rethinking the Static View of Life Insurance
Life insurance is often misunderstood, even by seasoned professionals. But when you view it through the right lens, it becomes clear: this is more than protection. It’s a powerful planning tool for risk management, tax efficiency, and long-term stability.
In our newest blog, we explore how RIAs and family offices can use life insurance as a non-correlated, strategy-forward asset—strengthening portfolios, creating optionality, and protecting long-term outcomes.
At C3 Financial Partners, we believe life insurance is not just about death benefits—it’s about bringing clarity to what the policy is meant to accomplish, confidence in how it will perform over time, and coordination with the advisors who help guide a family’s wealth, values, and vision into the future.
Read It Here
IRS Applicable Federal Rate Update
The latest AFR rates have been released and for the second consecutive month, we saw a decrease in each of the short-term and mid-term rates while the long-term rate saw a slight increase. 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 to a new feature of our newsletter, 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:
Too often, we mistake thinking for planning, and planning for action. But in my experience, most people aren’t under-informed—they’re just overthinking. They’re waiting for the perfect conditions: lower rates, calmer markets, better timing. But seasons don’t wait. And every delay silently closes the door on options that may not come back around.
Recently, I’ve been considering how to shift from hesitation to clarity. From asking the wrong questions to making the right decisions. Because life insurance isn’t just a product—it’s a planning tool built to perform when everything else feels uncertain. And when used with intention, it brings what every good plan needs: clarity, confidence, and coordination.
Explore more of Todd’s insights and how they can inform your financial planning journey by visiting his LinkedIn profile.
Is It Time to Act?
If you’ve been circling a decision or waiting for the “right time,” consider this your reminder: planning is most powerful when it happens before the window closes. Whether you’re reevaluating your existing coverage or exploring where life insurance fits into your broader plan, we’re here to help you move forward with clarity and confidence.
Let’s schedule a conversation to determine what season you’re in and what action makes sense now.
