Survivorship Life Insurance: The Perfect Estate Planning Tool
By ira🎬 In this episode of TriathlonPartnersTV, we explain the benefits of Survivorship Life Insurance (also known as Second-to-Die Life Insurance). This is an important tool for estate planning, especially with changes to tax laws coming soon. ⚠️ Estate tax thresholds are set to expire in 15 months, which may cut tax-free limits in half. New
Read More TriathlonPartnersTV: RILAs Unpacked: Understanding Buffers and Caps
By iraRILAs Explained: Buffers and Caps In this episode of Triathlon PartnersTV, we delve into RILAs, or Registered Indexed Linked Annuities. RILAs are structured investment products whose returns depend on the performance of underlying market indices like the S&P 500 or NASDAQ 100. Each investment structure, referred to as a segment, offers protection against losses through
Read More TriathlonPartnersTV: Mastering Retirement: The Secret to a Balanced Portfolio
By ira🔍 The Key to a Balanced Retirement Portfolio 🔍 In this episode of Triathlon PartnersTV, we focus on one of the biggest mistakes in retirement planning: an unbalanced portfolio. If you rely too much on the stock market, you could face big losses during market downturns, which may delay your retirement. On the other hand,
Read More TriathlonPartnersTV: Unlocking Tax-Efficient Investing: Maximize Your Returns!
By ira🔍 Unlocking the Power of Tax-Efficient Investing 🔍 In this episode of TriathlonPartnersTV, we dive into a crucial yet often overlooked aspect of investing: taxes! Discover how tax rates can significantly impact your overall returns and learn how Triathlon Partners LLC is dedicated to tax-efficient investing to maximize your after-tax cash flow. We turn account
Read More TriathlonPartnersTV: The TAX-Apocalypse is Coming !!!
By iraThe American Housing & Economic Mobility Act will lower the estate exemption and raise estate tax rates, which will start at 55%. When current income brackets expire at the end of 2025, which direction will they go? Is your current marginal federal income bracket 32%? How high is your state and city tax, 6%, 10%,
Read More TriathlonPartnersTV: Charity Donations, How to Maximize
By iraOur clients prioritize giving to CHARITY. Our role is to maximize the impact of their generousity and provide financial support for their causes in good and bad economic times. Ira discusses on TriathlonTV several strategies that will make donations of all sizes larger. Appreciated assets and Donor advised funds sound complicated, but in fact take
Read More TriathlonPartnersTV: Estate Planning
By iraEstate planning was once a concern reserved for the uber wealthy. Times have changed, as current exemptions of $14 million per individual or $28 million per couple are set to expire on 31Dec2025. If Congress and the President do not act these exemptions will revert to previous levels of $7 million and $14 million. This
Read More TriathlonPartnersTV: Structured Notes
By iraStructured Notes are a unique investment that aren’t well known. The investment’s performance track popular equity indexes, like the S&P 500 or Nasdaq 100. A predeteremined return profile allows the structured note to offer prinicipal protection without limiting gains. Some notes can even perform better than the underlying index. If the past month’s market volatiliy
Read More TriathlonPartnersTV: Annuities, RILA s & Tax-Deferred Growth
By iraAnnuities are the much maligned investment in the financial world. They encompass a wide array of products, and the bad rap they receive is due to misinformation and a lack of education of the product. Triathlon Partners is dedicated to financial education. This episode identifies the key attributes of annuities, and why they are appropriate
Read More TriathlonPartnersTV: Retirement Annuity
By iraRetirement planning can be overwhelming. The concern of outliving your money or poor investment performance will leave you homeless is real. A retirement annuity can alleviate these fears and should be a key component of your funding strategy for retirement. Its guarenteed steady cash flow combined with social security will provide a core and stable
Read More TriathlonPartnersTV: Indexed Universal Life Insurance vs Deferred Taxable Investment
By iraLife insurance provides a death benefit, tax deferred growth and tax exempt income. A properly structured indexed universal life policy is a better investment than the equivalent death benefit of term insurance and investment in the market. The latest episode of Triathlon TV, compares the value of a permanent life insurance policy versus term insurance
Read More TriathlonPartnersTV: Key Employee Retention & Succession Planning
By iraLife insurance can create golden handcuffs for key employees. It is a tax efficient asset, and can provide a tax exempt payments when selling the firm. Watch the latest episode of Triathlon TV, and understand how to combine key employee retention/reward plans and succession strategies in a tax efficient vehicle. Additional resources Succession Planning Small
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