Author: Christi Shell

Medicare and Medicaid are two distinct programs that operate under different rules, serve different populations, and require different planning approaches. Many families use the terms interchangeably even though the programs serve fundamentally different purposes. Medicare… Read More

Key person coverage protects the business from the loss of critical talent. Deferred compensation creates the financial incentives to keep them. Read More

Asset protection planning is most effective before a liability exists. Proactive structuring is more defensible and more flexible than reactive transfers. Read More

Asset titling determines how property transfers, who controls it, and whether estate documents function as intended. Read More

Business continuity planning depends on valuation, liquidity, and properly structured insurance for buy-sell and key-person risks. Read More

Flexible retirement structures allow for adaptation to changing conditions, improving long-term resilience and decision quality. Read More

Healthcare and long-term care represent uncertain but significant retirement liabilities that require flexible planning structures. Read More

Life insurance can create estate liquidity and reduce pressure to sell illiquid assets on an unfavorable timetable. Read More

Life insurance can replace income, create estate liquidity, fund business transitions, support retention, and improve tax efficiency. Read More

Effective risk planning begins by defining which risks to avoid, retain, self-insure, or transfer through insurance. Read More