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Glossary Protecting Clients

Protecting Clients from Fraud, Incompetence and Scams
Lance Wallach
ISBN: 978-0-470-53974-3
Hardcover
240 pages
March 2010

Introduction.Chapter One Meltdown.

The Party’s Over.

We All Know The Result.

Grim Statistics.

Retirement Plans And The Irs.

Summary.

Chapter Two Everyone Needs a Family Office.

“Why” A Family Office?

Retaining A Firm.

The Family Office Advantage.

Summary.

Chapter Three Protect Your (Retirement) Assets!

The Fiduciary Duty.

Documenting A Process.

Plan Options/Simple Ira.

You Can’t Save Enough.

Another Option – The 412(E)(3).

The Cash-Balance Plan.

Summary.

Chapter Four How Much Did You Lose Last Year?

Basic Financial Strategies Quiz.

Estate & Financial Planning.

Life Insurance.

Succession Planning.

The Buy-Sell.

Medical Insurance.

Asset Protection.

Veba.

Other Post-Employment Benefits.

OPEB Cost.

VEBA Plan Benefits.

Taxes.

Retirement.

Legislative Changes.

HSA/HRA.

412(e).

Audits.

Shelters.

6707A.

Breaking as of July 2009.

Captives.

Summary.

Chapter Five Self-Defense.

Captive Insurance.

Basics.

Sharing.

Caveats.

Summary.

Chapter Six Asset Protection Basics.

Asset Protection – Necessity Not Luxury.

Who Needs Asset Protection?

Seperating Ownership From Control.

What Is A Trust?

How Does A Trust Work?

How Is A Trust Used?

Offshore Trusts.

Asset Protection Faqs.

Summary.

Chapter Seven Shifting the Risk Equation – Insurance Maneuvers.

Key Employee Insurance.

Ltci For The Business Owner.

Life Insurance For Business Continuation.

Summary.

Chapter Eight Reevaluating Existing Insurance.

Evaluation Or Audit.

Consultative Leverage.

Summary.

Chapter Nine What Financial Advisors “Forget” to Tell Their Clients.

Fiduciary Duty.

Summary.

Chapter Ten The Truth About Variable Annuities.

Variable Annuity Components.

Mortality And Expense Charges.

Guarantees.

Summary.

Chapter Eleven What Life Insurance Agents “Forget” to Tell Their Clients.

Questionable Aspirations.

Coverage Needs.

Estate Taxes.

The Ilit.

Summary.

Chapter Twelve What You MUST Know About Life Settlements.

Life Settlements.

Industry Regulation And Compliance.

Licensing And Reporting.

Compensation.

Compensation Abuse.

Suitability.

Best Execution And Due Diligence.

Fraud Prevention.

Stoli.

Evaluation And Processing.

Tax Treatment.

Case Studies.

Caveat Venditor.

Summary.

Chapter Thirteen What Health Insurance Agents “Forget” to Tell Their Clients”.

Out Of Control Costs.

Small Business At Risk.

The Risk Of On-Site Medical Clinics.

Using An Hsa For Your Personal Retirement.

Creating An Employee Retirement Vehicle.

Irs Form 8889 (Hsa).

More Effective Strategy.

Aggregate Cap Planning.

HRA.

Managing General Underwriter.

Summary.

Chapter Fourteen College Funding Strategies and Solutions.

The Traditional Approach.

Good Intentions, Disastrous Consequences.

Traditional Vehicles.

Home Equity Loans.

Stocks, Bonds, Mutual Funds.

Life Insurance.

Borrowing.

Prepaid Tuition Plans.

Coverdell Savings Account.

529 Plans.

Real Life.

Summary.

Chapter Fifteen Two Alternative Investments for Financial Independence.

The Tertiary Market.

History.

Risk.

Reward.

Another Alternative.

O&G Advantages.

Summary.

Chapter Sixteen Avoiding Fraud: Small Business Case Study.

Introduction.

Suspicion.

Investigation.

Fraud.

Dismissal & Prosecution.

New Mechanisms.

Summary.

Appendix A Best Of The Best.

Insurance Advisors.

Investment Advisors.

Law.

Business Services.

Epilogue.

About the Contributors.

Aaron Skloff, AIF, CFA, MBA.

Mark Boehm, MBA, CWPPTM.

Carl Allen, III.

Index.

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