Case Studies

Knowledge is power. Information is liberating. Education is the premise of progress, in every society, in every family. - Kofi Annan

Tackling a Tricky Financial Situation

Tackling a Tricky Financial Situation
Tackling a Tricky Financial Situation

There was a couple that had some concerns about the financial impact if the other passed. The wife, a retired nurse, had personal experience with the financial impact of a family and patient passing. The couple agreed they needed to make sure they had ample life insurance coverage if this impact ever became a reality.

The biggest issue – because the husband had cancer 6 years ago he was considered a high-risk individual. After further research, we found an insurance company that was able to insure him based on his medical history, but with a higher premium cost.

In order to accommodate the premium, we decided to restructure their current financial portfolio to create cash-flow that would enable them to pay for the policy without utilizing any of their funds from their paychecks.

By paying down on their current mortgage to a conforming loan balance and investing a portion of assets into specific yielding instruments with tax benefits, we were able to create cash flow that would pay for the insurance premiums for the life of the policy.

The plan was designed specifically to focus on all silos of finances. i.e. insurance, investments, mortgage, and taxes that helped meet the client’s particular needs.

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