Hammer Financial

Individual Family Estate Planning Strategies Premium Financing Strategies to offer high net worth clients the ability, if they qualify, to use bank lender money to pay annual premiums to their large permanent polices. Clients can pay annual interest on the loan out of pocket or capitalize (roll up) the interest into the loan. Multi-Generational Wealth Transfer –When G-1 is too old or young but sick, to qualify, yet has a $30M+ estate and substantial need for tax planning strategies Family Trust Revitalization- where existing trust is being diluted by too many beneficiaries Business Buy-Sell, Key man and Informal Supplemental income for small Groups of 5-200 Charitable Planned Giving- Creates Endowments and tax-free income Stream to Charity for decades- for individual endowment and Donor Groups Strategies to generate supplemental tax-free retirement income Permanent life insurance coverage Loan Regime Split Dollar Return of Premium Life Insurance Life insurance planning strategies with built in coverage for Critical Illness, critical Injury and chronic (LTC) Illness. Annuities that can provide guaranteed retirement income for life* Credit Shelter trust with life insurance to mitigate State estate taxes