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CPA Firms...
A Financial Windfall
Awaits Many Senior Clients
Important Notice for CPA firms with a primary practice in...
Personal Financial Planning (PFS)
Elder care
Business planning
Tax planning
Estate planning
Retirement planning
A New Fiduciary Responsibility for Advisers
Read this adviser liability article
Let us demonstrate why it's part of a fiduciary responsibility to investigate the life settlement market. We'll show you why a life insurance policy appraisal should be a natural step in the planning process for seniors age 65 and older and why it must be considered as an alternate exit strategy to lapsing or surrendering a life policy.
With millions of American seniors struggling financially as a result of depleted savings, investments and home equity, and even for those seniors who are maintaining a comfortable lifestyle, a life settlement can represent an unexpected and substantial financial windfall for certain senior life insurance police owners.
Life settlements are relatively unknown to life insurance policy owners and also to many certified financial planner professionals. These valuable financial instruments can be highly lucrative for senior clients of CPA firms.
Life Settlements - Critical Issues Clients Should Know Before Selling Any Life Insurance Policy
Discover Answers to these key questions:
What is a life settlement?
The life settlement marketplace and statistics
Benefits to the life policy seller
Typical uses for the cash proceeds
Who qualifies for a life settlement?
Actual case examples
Click here to receive your FREE Life Settlement Guide
Clients of CPA firms rely on trusted financial advice when it comes to making decisions about buying, converting, surrendering or selling one of their most valuable assets - a life insurance policy.
If a client's unwanted or unneeded life insurance policy is to lapse or is to be surrendered for any cash value, know that selling the policy can return, on average, three to five times the cash surrender value, or more. Even a convertible term policy can be sold for a substantial cash payout.
Additional References for CPA firms:
Accounting Today - The Rise of Life Settlements
Journal of Accountancy - New Value in Old Policies
AARP Bulletin Today - Turning Life Insurance Policies Into Cash
Check out this
remarkable IRS-approved zero estate tax and zero income tax strategy
"Life insurance settlements
provide living benefits that can be
utilized by individuals, corporations,
trusts, and non-profit or charitable
organizations, alike. Senior policy
holders, certified financial planners and
their clients need to be aware of the
tremendous monetary value hidden within
many life insurance policies." -
Robert M. Smith, CFP
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 Fortress Financial Group, LLC, a northern Colorado based financial planning firm, founded by Robert M. Smith, CFP, focuses on strategies to legally preserve and protect 401k, 403b retirement plans and other pension plans from federal and state income and estate taxes. Fortress Financial Group, LLC, serves local and regional areas of Colorado, including Denver, Boulder, Colorado Springs, Fort Collins, Loveland, Greeley, and other locations within the U.S.
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