Under no circumstance is the information contained within this research to be used or considered as an offer to sell or a solicitation of an offer to buy any particular investment/security. Further, Verdence Capital assumes no responsibility for the accuracy, completeness, or timeliness of any such research or for updating such research, which is subject to change without notice at any time. It is understood that, without exception, any order based on such research that is placed for estate protection services execution is and will be treated as an UNRECOMMENDED AND UNSOLICITED ORDER. Any decisions you may make to buy, sell, or hold a security based on this research will be entirely your own and not in any way deemed to be endorsed or influenced by or attributed to Verdence Capital. Alternative investments are designed only for sophisticated investors who are able to bear the risk of the loss of their entire investmen

Sometimes saving money on taxes is as easy as choosing the right types of investments. Asset growth and wealth preservation strategies are key to building a lasting legacy. Life insurance can ensure your loved ones will be financially protected after you die, but there are many types to consider. And some life insurance products can be used for long-term care. Annuities, as well as life, disability and long-term care insurance, can help protect your assets from unexpected changes to your family, career or health. Diversification means not putting all your money into investments that are in the same risk class, and it can work on several different level

Opt for Customized Plans Two-thirds of wealth receivers, as well as a similar percentage of wealth creators, say they want to talk to a financial advisor about wealth transfer, while half of wealth creators and 41 percent of wealth receivers also want to talk to an attorney. More than half of wealth creators surveyed by Northwestern Mutual — 51 percent — say that the wealth transfer they are planning will give their beneficiaries financial security or freedom. Primarily, trusts help mitigate or eliminate estate tax issues and avoid the often lengthy and costly probate process. In addition to the annual gift tax exclusion, permanent life insurance in trusts can reduce taxable estates and provide liquidity to pay estate taxes, helping preserve wealth for the rising generation. Given the amount of tax that can be imposed at one’s death, people with significant wealth often use sophisticated strategies designed to avoid wealth depletion by transfer taxes. Starting the conversation with your hei

To insulate your property from such claims, you'll have to evaluate each tool in terms of your own situation. Individually owned debts cannot be claimed against the property. The property also cannot be sold or transferred without the consent of the other spouse. It is only offered in specific states but provides certain estate benefits to those who choose to hold their property in TB

You should be aware that certain LPs may be closed to new investors and therefore your clients may be prevented from investing in these products. Certain products shown may have account minimums or minimum investment sizes that are unattainable for your clients and therefore they may not be eligible to invest in these products. You should consider your risk tolerance of each of your clients carefully before choosing such a strategy. Before investing, we encourage you to request additional information, particularly performance information, of any product that you are considering for your client. If you’re searching for a fiduciary financial advisor who understands complex wealth, business transitions, or multigenerational planning, start with looking for firms that specialize in working with clients like you. How Much Does a Fiduciary Advisor Cos

When a fiduciary acts in your best interest, conversations around cost happen transparently after gaining a full understanding of a client’s goals and situation. A fiduciary advisor provides long-term alignment and consistency—serving not just as an investment manager, but as a steward of your financial life and legacy. It means that every recommendation, every portfolio decision, and every piece of guidance must be made with the client’s best interest as the top priority – without exception. A fiduciary financial advisor is held to the highest standard in the industry. It continues to be a very credible voice that speaks to fee-only planners and the importance of always working in your clients’ best interests. "Our 2025–2028 Strategic Plan recommits us to what makes NAPFA exceptional--putting clients first, supporting professional growth, and fostering a deeply collaborative community," said Natalie Pine, CFP®, ChSNC®, NAPFA Board Chai

Courts can reverse transfers that appear to be made with the intent to avoid creditors, so timing and intent matter. Asset protection begins with identifying what you own, how it’s titled, and where the risk lies. Often, juries will blame professionals and business owners because they have wealth, the ability to produce more income and insurance. There are many types of asset protection trusts, each having its own benefits and drawbacks. The more access the beneficiary has to the trust property, the more access the beneficiary's creditors will hav