How Does Life Insurance Affect Your Estate Plan?

Although most people don’t like to talk about it, life insurance is an essential part of setting up your overall financial and estate plan. But purchasing a life insurance policy correctly goes far beyond just estimating how much you’ll need to cover final expenses, potential debts, and estate taxes.

What many don’t realize is that buying life insurance and keeping the policy in your own name can actually do more harm than good when it comes to calculating the amount of estate tax that is due. Continue reading “How Does Life Insurance Affect Your Estate Plan?”

September 2013


First and foremost our thoughts and prayers go out to those in Seaside Park, New Jersey, who after having survived the wrath of Hurricane Sandy now have to endure the after effects of one of the most devastating fires in recent history. Stay “Jersey Strong”!

Years ago we did an Article on Can Your Company Survive a Disaster? which I thought I would share with you this month. When a disaster happens it can take a business weeks, sometimes months, to resume operations after a disaster. Some businesses never recover. Preparing for a disaster can minimize the potential damage and may protect you and your employees from harm. Business owners should draw up a disaster plan and update it regularly. They should consult with experts and draw on the lessons learned from the past. Continue reading “September 2013”