TRC Financial

Don't need your IRA for income? Passing it to heirs triggers taxes & the SECURE Act's 10-year rule. IRA Optimization uses distributions to fund life insurance to maximize the efficiency of your legacy. #IRA trcfinancial.com/post/how-to-op…

Treating life insurance as “set it & forget it”? You may be overpaying, or risking surprises. Annual statements show the past, not future performance or inefficiencies. #lifeinsurance trcfinancial.com/post/life-insu…

With the U.S. emerging as a top destination for global capital, U.S. life insurance is the most powerful, overlooked tool for protecting multi-national wealth. Here's why #globalcitizens #lifeinsurance trcfinancial.com/post/navigatin…

PHL Variable’s liquidation is a reminder: pricing integrity matters more than the lowest premium. Life insurance is a long-term promise, built on disciplined assumptions, not short-term pricing. #lifeinsurance trcfinancial.com/post/navigatin…

Thinking of surrendering your life insurance policy? Stop and check the tax math first. 🛑 Selling it might unlock surprising tax advantages, especially if you can leverage a capital loss. #capitalloss #lifeinsurance #lifesettlement trcfinancial.com/post/how-life-…

State estate taxes are a hidden threat to wealth. Even if your estate is well below the federal exemption, 16 states + D.C. impose their own estate or inheritance taxes. #taxes trcfinancial.com/post/navigatin…

Did you know that transferring a life insurance policy during a business deal could accidentally turn a tax-free benefit into a taxable one? #lifeinsurance #COLI #merger #acquisition trcfinancial.com/post/code-sec-…

The recent tax reform brings meaningful shifts in the way affluent individuals and business owners can leverage life insurance as part of their financial & legacy planning. #lifeinsurance #affluent trcfinancial.com/post/how-busin…

Discover 7 advanced life insurance strategies for high-net-worth families to minimize estate taxes, create liquidity, and protect multi-generational wealth. #lifeinsurance #estateplanning trcfinancial.com/post/how-high-…

Life insurance is generally not considered U.S. situs property. That means a nonresident alien can own a U.S. life insurance policy, and the death benefit is typically not subject to U.S. estate tax. #globalcitizen trcfinancial.com/post/u-s-life-…

In today’s competitive market, private companies must offer more than salary, bonus, and equity plans to retain elite non-owner executives. #CEO #executivebenefits #wealthtransfer trcfinancial.com/post/trust-own…

Our team is grateful for the clients, advisors, and partners who trust us throughout the year. Thank you for allowing us to help families, business owners, and entrepreneurs protect what matters most. Wishing you and your loved ones a meaningful Thanksgiving! #Thanksgiving

Life insurance can help create a fair, equitable estate plan, especially when assets like a family business or vacation home can’t easily be divided. The goal: pass down wealth without creating conflict. #EstatePlanning #LifeInsurance trcfinancial.com/post/estate-eq…

We’re living longer than ever - but are you really prepared for those extra years? Studies from @johnhancockusa and the @MIT_AgeLab reveal that most Americans aren’t ready! #longevity #care #aging #longtermcare trcfinancial.com/post/longevity…

TRC Financial helps you secure the long-term care insurance proven to bring financial stability to family caregiving. insurancenewsnet.com/innarticle/ltc…

Our firm’s Bridge Life Insurance strategy offers a flexible liquidity solution designed to support families during the years it takes to fully execute a multi-generational estate plan. #estateplanning #affluent #wealth #wealthtransfer trcfinancial.com/post/bridge-li…

When an insured person funds a life insurance policy by lending money to a trust, they hold a split-dollar receivable. Discounting this receivable can lead to a more effective wealth transfer. #wealth #splitdollar #lifeinsurance #estateplanning trcfinancial.com/post/discounti…

September is Life Insurance Awareness Month - an ideal time to protect your life’s work. For successful families & entrepreneurs, life insurance is more than protection. #lifeinsuranceawarenessmonth trcfinancial.com/post/life-insu…

Want to support the next generation while transferring wealth wisely? Beyond gifting, an intra-family loan, when structured properly, can be a powerful way to keep wealth in the family and benefit both lender and borrower. #intrafamilyloan #estateplanning trcfinancial.com/post/understan…

Your family’s vacation home is more than a place, it’s a legacy. These homes often hold a special place in the hearts of multiple generations. Keeping that dream alive takes proactive planning. #vacationhomes #estateplanning trcfinancial.com/post/keeping-t…