We review all risks that clients face…property loss, liability, health, disability, life… and evaluate how best to manage these exposures. Often, clients are in a position to “self-insure” many of these risks. In other cases, insurance or some other structure is essential to avoid or mitigate the risk.
In all cases, with over 28 years of risk of risk management experience we have the ability of drawing effective conclusions for our clients…from simple insurance to most sophisticated protection trusts. Perhaps as important, we have no interest in any particular solution. Our clients can therefore depend on a thoroughly competent and unbiased assessment of their overall insurance portfolio…a combination very difficult to find anywhere else.
Wealth Transfer
Our team has the broad array of estate planning issues and opportunities, including the use of wills and trusts, optimal forms of property ownership, estate and gift taxes, philanthropy, and strategies for property transfer between spouses and through the generations of the client’s family.
We work with our clients’ attorneys to craft and implement family limited partnerships (FLP’s), family LLC’s, stock option transfers, special needs trusts, incentive trusts, grantor retained annuity trusts (GRAT’s), intentionally defective grantor trusts (DGT’s), and dynasty trusts as appropriate to clients’ objectives.
