Protection strategies incorporate the proper use of life insurance to fund Irrevocable Life Insurance Trusts (ILIT’s) to minimize the impact of the future taxation of your estate and help preserve the integrity of your legacy assets.
In pursuit of principal protection, our strategies may include the selective use of FDIC Insured Certificates of Deposits, US Government Securities, insured municipal debt securities, and fixed rate insurance and annuity products.
As with all investments, these investments involve risks and/or limitations. CD's are FDIC insured and offer a fixed rate of return if held to maturity. If redeemed prior to maturity, penalties may apply. U.S. Government Securities are issued by the U.S. Government at various schedules and maturities. These securities are backed by the full faith and credit of the U.S. Government as to timely payment of principal and interest. Municipal debt securities (bonds) are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Insurance on municipal bonds is intended to provide for the insurer to pay principal and interest payments to bondholders in the event the bond issuer defaults. You should consider the creditworthiness of the both the insurer and the bond issuer when considering purchasing an insured bond. Any guarantees offered by insurance and annuity products are based upon the claims paying ability of the issuing insurance company.