Synergy Thinking

Join Stephanie Alper-Lisi and Robert Stuchiner as they discuss the challenges of premium financing and potential alternatives? On today’s show, we talk about the current landscape in the premium finance market, the scope of interest rates over the next 10-15 years, how to guarantee cash value when building a policy long term, and if advisors should continue to take advantage of the low-interest-rate environment today. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies. Show Notes:00:00 Welcome to Synergy Thinking00:36 What does the current premium finance market look like?03:20 What's going to happen to interest rates over the next 10 to 15 years?07:15 Can you guarantee to have cash value built-in that policy long term?08:55 Should advisors be trying to take advantage of the low-interest-rate environment today?09:48 Commercial financing vs premium financing? Can I do both?13:25 How to connect with Synergy Life Brokerage

Join Stephanie Alper-Lisi and Robert Stuchiner as they take on the new section 7702 tax policy. On today’s show, we talk with Robert, what is section 7702 and what has the implementation of the code looked like? From what happened by reducing the guaranteed interest rate down to 2%, how is having the ability to put more money into life insurance a bad thing, which products Robert is looking for in the marketplace, and how FINRA licensing, dovetails beautifully with variable life insurance policies. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies. Show Notes:00:00 Welcome to Synergy Thinking00:49 What is 7702 and what has the implementation of the code looked like?05:35 What happened by reducing the guaranteed interest rate down to 2%?07:51 How is having the ability to put more money into life insurance a bad thing?10:33 Which products Robert is looking for in the marketplace12:02 How FINRA licensing, dovetails beautifully with variable life insurance policies.13:25 How to conenct with Synergy Life Brokerage

Join Stephanie Alper-Lisi and Robert Stuchiner as they take on The Platinum Era of Estate Planning Pt. 2. On today’s show, we talk with Robert about what has changed in estate planning since we last spoke. From how the race for the white house and the stimulus can raise or decline estate tax, to how brokers can zero out their clients' exposure to estate tax. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies. Show Notes:00:00 Welcome to Synergy Thinking00:42 What’s changed in estate planning since we’ve last spoken and how may the election affect the rise or decline?03:12 How might the government stimulus affect the 23 million dollar tax exclusion?06:06 How can you zero out exposure to a clients estate tax10:04 How intergenerational split dollar can help your children avoid large13:08 How the 75/20 rate of the internal revenue code makes this the platinum era for estate planning14:19 Why the 75/20 rate can help you make a tax deductible donation and clear estate tax, pretax