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Sunday, August 9, 2026

Economic advantages of buying life insurance with qualified money.

Friday, August 7, 2026

For most of my career, I have helped families, business owners, and professionals make important financial decisions. Occasionally, however, I am asked to step into a very different role—that of an expert witness in family law and...

Friday, August 7, 2026

Shakespeare asked whether to be or not to be. Today, the professions confront a different question, one that may ultimately prove just as consequential to their future: AI or DEI? Although the two concepts are frequently discussed...

Thursday, August 6, 2026

One of the defining characteristics of free societies is the ability to recognize injustice regardless of where it occurs. The moment we condemn authoritarianism abroad while excusing its underlying logic at home, we cease defending...

Wednesday, August 5, 2026

There is a comforting belief that history teaches lessons. It does nothing of the sort. History merely records what happened. Whether we choose to learn from it is entirely our responsibility. The tragedy is not that history repeats...

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Wednesday, August 5, 2026

A Rational Paternalist Perspective After reading William A. Galston's Wall Street Journal opinion piece, "Trump, the Working Class and Social Order" (August 5, 2026), I found myself agreeing with some of his observations but not with...

Wednesday, July 29, 2026

OpenAI CEO Sam Altman recently declared that artificial intelligence has reached what many have long called the “singularity”—the point at which AI systems outperform humans at solving complex problems. In an interview discussed by The...

Tuesday, July 21, 2026

Promises to Keep: Disability Insurance as a Professional and Moral Obligation For physicians, dentists, attorneys, and other highly trained professionals, the most valuable asset on the personal balance sheet is rarely the investment...

Thursday, July 9, 2026

Many people assume that financial success is largely a function of intelligence. The logic seems obvious: smarter people make better decisions, earn more money, and accumulate greater wealth. There is some truth to this assumption....

Sunday, June 21, 2026

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

Wednesday, June 17, 2026

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,...

Wednesday, June 17, 2026

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...

Thursday, June 11, 2026

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...

Wednesday, May 27, 2026

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...

Tuesday, May 26, 2026

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...

Thursday, April 16, 2026

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.

Wednesday, April 15, 2026

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.

Monday, March 16, 2026

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

Thursday, January 29, 2026

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.

Tuesday, December 16, 2025

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.

Thursday, December 11, 2025

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...

Wednesday, November 26, 2025

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.