SOLUTIONS – [Duplicated] – David Capital Partners, Inc.

SOLUTIONS

It takes dedication and perseverance to build generational wealth. It takes vision, preparedness, and desire – not to mention a focus to achieving your goals. If you are like most entrepreneurs, you’ve worked hard and made many sacrifices to grow your business or estate. It’s important to put as much meaningful energy into protecting your legacy as you did building it.  

Proper planning can help you protect your estate, ensure the continuation of your business and help ensure a succession in the manner of your choosing.  Our firm provides experience and focus to do just that.

BANK OWNED LIFE INSURANCE

BOLI

Asset Protection: BOLI policies can provide a source of liquidity in the event of an unexpected loss of key employees. Executive relationships and experience within their respective communities are key to maintaining strong asset value in new and existing markets. Tax Benefits: BOLI policies offer tax advantages that are not available with traditional investments. The death benefit proceeds of BOLI policies are generally tax-free to the bank, and the cash value of the policies grows tax deferred.

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Asset Protection: BOLI policies can provide a source of liquidity in the event of an unexpected loss of key employees. Executive relationships and experience within their respective communities are key to maintaining strong asset value in new and existing markets. Tax Benefits: BOLI policies offer tax advantages that are not available with traditional investments. The death benefit proceeds of BOLI policies are generally tax-free to the bank, and the cash value of the policies grows tax deferred.
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PREMIUM FINANCE

LIFE INSURANCE

Life Insurance provides funding for families and businesses when they need it most.  It allows for individuals to maintain the life their families have built and businesses to continue an upward trajectory. It represents the certain in an uncertain time.

Types of life insurance:

  • Term life insurance
  • Permanent life insurance
  • Whole life insurance
  • Universal life insurance
  • Disability income insurance
 
Asset Protection:
BOLI policies can provide a source of liquidity in the event of an unexpected loss of key employees. Executive relationships and experience within their respective communities are key to maintaining strong asset value in new and existing markets.
Tax Benefits:
BOLI policies offer tax advantages that are not available with traditional investments. The death benefit proceeds of BOLI policies are generally tax-free to the bank, and the cash value of the policies grows tax deferred.
Diversification/Stable Returns:
BOLI can provide diversification to the investment portfolio, as it is a separate asset class not directly correlated with traditional investments, such as securities and bonds. By incorporating BOLI into the investment strategy, we can diversify risk and potentially enhance overall portfolio performance. BOLI can provide a reliable source of earnings for the bank, positively impacting shareholder value. BOLI’s tax deferred earnings provide a hedge against interest rate risk.
Retaining/Recruiting:
BOLI policies can help the bank offset the costs of employee benefits and executive compensation. The ability to maintain a fully developed succession line for each key executive/market enhances stability. BOLI has the ability to provide supplemental retirement plans for key executives as a way to recruit and retain.
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With premium financing, you're able to:
Preserve, maintain and continue to build assets instead of using those assets to fund a life insurance policy.
With premium financing, you're able to:
Purchase your life insurance policy by paying only interest to the lender if you have sufficient collateral.
With premium financing, you're able to:
Obtain a significant amount of life insurance with limited upfront out-of-pocket costs.
With premium financing, you're able to:
Spread payments over an established period-of-time for better control of cash flow.
With premium financing, you're able to:
Leverage assets and free up capital for other business-critical needs
With premium financing, you're able to:
Leverage your annual gift-tax exclusions or lifetime exemption to transfer other assets estate-tax-free.
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