Blog
When Even the Wealthy Are Worried About Retirement WSJ 6/19/26
A recent WSJ survey found that 40%+ of affluent Americans fear they haven't saved enough for retirement. Rising taxes, longevity, IRMAA, and contribution limits are driving interest in life insurance and Kai-Zen as complementary retirement
Read MoreEthical and Legal Tax Shelters in the United States Tax Code In Memory of Bruce Givner
Ethical and Legal Tax Shelters in the United States Tax Code In Memory of Bruce Givner Few tax attorneys influenced my professional thinking more profoundly than Bruce Givner. Bruce was a rare combination of scholar, practitioner,...
Read MoreMerit, Fiduciary Duty, and the Ethical Debate Over DEI in the Life Insurance Industry
Abstract The debate surrounding Diversity, Equity, and Inclusion (DEI) initiatives is frequently framed in political terms. However, the strongest critiques and defenses of DEI in the life insurance profession can be analyzed through...
Read MoreWhy Financial Literacy Is Not Enough
Why Financial Literacy Is Not Enough: The Case for Better Financial Advisors Rather Than More Financial Education By Dr. Igor Zey, PhD, CFP For decades, policymakers, educators, and financial institutions have championed financial...
Read More
PPLI and Cross-Border Tax Planning
Private Placement Life Insurance (PPLI): One of the Most Powerful — and Misunderstood — Tools in Cross-Border Tax Planning For ultra-high-net-worth families engaged in international planning, the modern tax landscape presents a unique...
Read MoreShow All
The Dangerous Illusion of AI-Generated Financial Advice
The Dangerous Illusion of AI-Generated Financial Advice Artificial intelligence is rapidly transforming the financial services industry. Consumers now routinely ask generative AI systems for investment recommendations, retirement...
Read More
Actions taxpayers should take if they missed the deadline
Missed the tax deadline? File as soon as possible, pay what you can, and use IRS payment options to limit penalties and interest. Acting quickly can help reduce the long-term financial impact.
Read More
Early Awareness, Late Accumulation: Why Gen Z’s “Head Start” Fails to Translate Into Retirement Read
Gen Z is starting retirement savings earlier than ever, but structural realities are holding them back. Early awareness without real accumulation creates a hidden late start, reshaping how we need to think about long-term wealth building.
Read More
When Should You Start Social Security?
When Should You Start Social Security? For someone born May 26, 1959, Full Retirement Age is 66 years 10 months (March 2026). Let’s assume your benefit today is $3,500/month. If you delay until age 70, Social Security increases your bene
Read More
IRS Releases 2026 401(k) and IRA Contribution Updates
2026 retirement limits are rising: 401(k) contributions increase to $24,500 and IRAs to $7,500, with higher catch-up limits and updated income phase-outs. Learn how to maximize your savings opportunities.
Read More
Inherited IRAs and Divorce: Hidden Risks for Family Law, Estate Planning, and Tax Professionals
Inherited IRAs create major risks in divorce, from transmutation and tax acceleration to SECURE Act distribution rules and trust complications. Attorneys and CPAs must coordinate to avoid penalties, disputes, and costly settlement errors.
Read More
What Attorneys and CPAs Need to Know About the IRS’s Enforcement of Inherited IRA Distribution Rules
The Wall Street Journal recently reported that the IRS has begun enforcing annual distribution requirements for many inherited IRAs—an issue with significant tax, estate-planning, and compliance implications for our clients. Under the...
Read More
Ethics at the Crossroads
A clear look at how financial advisors, attorneys, and CPAs can collaborate ethically by defining roles, avoiding conflicts, and putting client interests first for better, more coordinated outcomes.
Read More