Uncommon Solutions, presented by Schechter, provides a unique perspective on an assortment of advanced financial topics for high-net-worth clients and advisors.
Disclaimer:
Insurance products provided by Schechter Wealth (aka Robert Schechter and Associates) are issued by various third-party carriers. Investment advisory services are offered through Schechter Investment Advisors and Schechter Private Capital, each of which are SEC registered investment advisers sharing common ownership with Schechter Wealth. Securities offered by Schechter employees in their capacity as registered representatives of third-party broker-dealer Kingswood Capital Partners, LLC, previously named Chalice Capital partners, member FINRA, SIPC. Podcasts recorded and published by Schechter and its affiliates are made solely for informational purposes. Employees or representatives of Schechter Wealth, Schechter Investment Advisors, and Schechter Private Capital providing such information are not intended to be and should not be considered to be a solicitation for a specific purchase or sale of any security, nor the provision of individualized investment advice. All statements, comments, views, or opinions expressed in the podcast are general in nature and do not represent professional financial, economic, legal, accounting, tax, or other advice. All investments include some level or risk, past performance is not indicative of future results.
How High-Income Earners Can Proactively Navigate Biden's Tax Proposal
President Joe Biden has proposed increasing the highest marginal long-term capital gains tax rate from 20.0% to 39.6%. For those earning $1 million or more annually, the new top rate, along with the net investment income tax, means that federal capital gains tax rates for wealthy investors could exceed 40%. With the proposed increase in capital gains rates, asset location becomes even more critical, and earners subject to the highest rates have likely maximized many of the tax-advantaged account options available. However, for certain qualified investors, there may be an alternative in the form of Private Placement Life Insurance and annuity contracts.
12 May 2021
Unpacking Section 7702: What it Means for You & Your Clients
We take a comprehensive look at the amendment to the Internal Revenue Code’s Section 7702. The change, enacted as part of the Consolidated Appropriations Act, 2021 (H.R. 133), redefines how policies qualify as life insurance contracts under the tax code. It also spells out how much cash can accumulate inside a policy without being taxed. We walk you through what to expect and how to navigate this change for your clients.
21 Dec 2020
The Death of LIBOR & What It Means for Financed Life Insurance
For over 40 years, the London Inter-Bank Offered Rate (LIBOR) has served as the globally accepted key benchmark interest rate that indicates borrowing costs between banks. However now, amid a flurry of scandal and manipulation, LIBOR will soon be put to bed. In this episode, we explore its potential successors and what effect this change will have on the life insurance premium financing industry.
4 Dec 2020
Why Policy Review is 2021's Best Conversation Starter
A new year means new conversations. So when was the last time you talked to your client about the life insurance policy collecting dust in their portfolio? In this episode, we explain the importance of life insurance portfolio review – for you and your client – and why it should be your first call in 2021.
21 Oct 2020
Selling Unwanted Life Insurance: A Tale as Old as 1911?
You've heard the ads. Maybe you've done some Googling. Now let's set the record straight. In this episode, we go under the hood on life settlements; from its 1911 origins in the Supreme Court, the AIDs epidemic, and navigating today's market.
28 Aug 2020
The "Jim Harbaugh" Strategy for Retaining Key Business Executives
There's a lot of Xs and Os in structuring life insurance. In this episode, we talk about its use as a deferred compensation option. Split-dollar life insurance is a trend many top universities are using to retain high-caliber coaches, such as Jim Harbaugh. But its usefulness extends past the coaching ranks. We explain why what's good for Jim, might be good for other key executives.
7 Jul 2020
Beaches, Sports Metaphors, & Premium Financing
Schechter’s Kevin Beauchamp recounts a thriller 2019 life insurance premium financing case where, using leverage and an innovative design structure, the client dollars jumped from $12 million to $72 million.
13 Jun 2020
Is Life Insurance the Unsung Hero in a COVID-19 World?
Through tough economic times, life insurance has maintained its value because it is designed with that very goal in mind. Today, amid the COVID-19 global pandemic, this principle applies more than ever.
27 May 2020
Introducing Uncommon Solutions
On Uncommon Solutions, we explore the intersection of creativity and financial services. The podcast is produced by Schechter, a boutique, third generation, financial services firm in Birmingham, MI.
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