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All articles contributed by Robert D. Cavanaugh, CLU |
1. A Fund Raising Idea That Instantly Funds Any Special Project Are you a member of a church that is looking for a unique fund raising idea to complete a current project? Would you like to be that "knight on a white horse" that brings the idea to the table that sends nonprofit fund raising results soaring? Read ... Read more... Robert D. Cavanaugh, CLU - May 16, 2007
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[ Fundraising ]
3. Five Uses For Survivorship Life Insurance Survivorship life insurance can pay estate taxes, offset income taxes on inherited qualified plans, and replace assets. When putting your estate plan together, do not overlook this valuable planning tool. Read more... Robert D. Cavanaugh, CLU - Apr 03, 2007
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[ Insurance ]
4. Home Sales: Do You Really Know the Tax Exclusion Rules? Will you be selling your home soon? How much of the gain can you exclude from tax? Do you know the current rules? Do you know the exceptions? Did your spouse die, are you divorced, remarried or in the Armed Forces? All these circumstances require ... Read more... Robert D. Cavanaugh, CLU - Mar 16, 2007
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[ Real Estate ]
5. Hot New Product: Long Term Care Annuities Have you made the decision not to buy long term care insurance because you feel you will never need it? Do you think it is too expensive? Do you have health problems preventing you from qualifying? Would you like long term care without a policy or ... Read more... Robert D. Cavanaugh, CLU - May 23, 2007
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[ Insurance ]
6. How a Charitable Remainder Trust Avoids Capital Gains Do you own a highly appreciated asset that produces little or no income? Are you selling your business? Are you highly compensated and looking to shelter more of your income? Put the charitable remainder trust in your list of options. Read more... Robert D. Cavanaugh, CLU - Jun 12, 2007
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[ Taxes ]
14. ILIT - The Irrevocable Life Insurance Trust If you are contemplating buying life insurance to pay estimated future estate taxes, you will probably want to use an Irrevocable Life Insurance Trust. Here’s why… Read more... Robert D. Cavanaugh, CLU - Apr 11, 2007
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[ Insurance ]
16. IRAs and Early Retirement If you retire early and roll your 401(k) into an IRA, what is the best way to take out income to live on? What are the rules? What are the penalties for taking money out before the magic age of 59 1/2? What are the exceptions? What are the ... Read more... Robert D. Cavanaugh, CLU - Mar 09, 2007
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[ Personal Finance ]
18. New Kid on the Block: Indexed Universal Life Do you think whole life insurance is a poor investment? Are you skittish about variable universal life due to fluctuations in the stock market? What if there was an insurance policy with cash values linked to the equity market but that could only go ... Read more... Robert D. Cavanaugh, CLU - Jun 06, 2007
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[ Insurance ]
19. Opportunity Cost and Your Long Term Care Decision Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed. Read more... Robert D. Cavanaugh, CLU - Mar 23, 2007
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[ Insurance ]
20. Rollovers to IRAs - Rules, Tips and Cautions Are you ready to retire and roll your qualified plan over to an IRA? If so, here are the rules and some tips that could eliminate problems with your rollover. Read more... Robert D. Cavanaugh, CLU - Apr 24, 2007
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[ Investing ]
21. Roth 401(k) Plans: Could You Benefit? If your 401(k) plan allows, a new law now makes the ability to have a “Roth” 401(k) permanent. Would this be to your advantage? Find out in this Roth 401(k) primer. Read more... Robert D. Cavanaugh, CLU - Apr 24, 2007
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[ Investing ]
22. Roth IRA Distributions at Death: Pitfalls to Avoid Your IRA may represent the bulk of your estate. Care must be taken to assure that your wishes for the distribution at your death follow the rules. Here are the rules and several common mistakes to avoid. Read more... Robert D. Cavanaugh, CLU - Feb 24, 2007
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[ Personal Finance ]
23. Roth IRAs: Test Your Knowledge Roth IRAs are popular, but the rules are complicated. Take this quick 5 question quiz and see if you are up to speed on the Roth IRA. Read more... Robert D. Cavanaugh, CLU - Feb 19, 2007
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[ Investing ]
24. SEP IRAs: A Path to More Retirement Income? Do you have your own business? Do you have a 401(k) at work and have self-employment income on the side? If so, the SEP IRA may be one alternative to building a bigger retirement nest egg. Read more... Robert D. Cavanaugh, CLU - Mar 26, 2007
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[ Investing ]
27. The Buy-Sell Agreement: Why It Is The Simple Solution Studies have shown that 46% of business owners do not intend to ever retire from their businesses. Amidst the sophisticated estate planning techniques for business succession planning, the simple buy-sell agreement solves a myriad of post-death ... Read more... Robert D. Cavanaugh, CLU - May 01, 2007
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[ Small Business ]
29. When Not to Name Your Spouse the Beneficiary of Your IRA Have you blindly named your spouse as the beneficiary of your IRA? Is this your best choice? Depending on your situation and objectives, other beneficiary elections may be better. Here are three options you may not have considered. Read more... Robert D. Cavanaugh, CLU - Apr 17, 2007
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[ Personal Finance ]
30. Who Should Be the Beneficiary of Your IRA? Why is making the proper beneficiary election for your IRA important? Does your election follow the rules? Is it the best one for your family circumstances? Is there a better one? Find out by taking a look a few common beneficiary elections and their ... Read more... Robert D. Cavanaugh, CLU - Mar 05, 2007
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[ Investing ]
