INSURANCE SOLUTIONS
There are several tax advantages of owning insurance inside a corporation. First, the cost for policy premiums will be lower if paid by the corporation rather than personally—assuming the corporation’s tax rate is lower than the personal tax rate (which is usually the case).
Second, business owners benefit from tax-deferred growth in the value of investments in an exempt permanent life policy held within the company until disposition. This benefit is comparable to the tax-deferred investment growth in a registered retirement savings plan by potentially allowing for greater asset growth because the earnings can accumulate free from tax.
Finally, the life insurance proceeds over the cost basis of the policy can be paid as a tax-free capital dividend upon death.
PRIVATE WEALTH SOLUTIONS
Affluent investors have unique needs that require exclusive services including exclusive investments to meet your financial goals, capital preservation, growth and income.
Householding benefits for easy access into the Private Wealth Solutions Program.
Tax-efficient investment options for building wealth and providing cash flow.
Tax and estate guidance from a dedicated team of professionals and philanthropic planning.
Enhanced reporting.
High-water mark, providing cost protection against downward market movements.
Personalized portfolio rebalancing.
Automatic linking of accounts.
Comprehensive proposal with fee information and portfolio analytics.
RISK MANAGEMENT
In most cases, the ability of our client families to achieve their intended financial objectives is predicated on their ability to earn continuous income. Creighton & Associates works with our client families to help ensure the sustainability of income in the event of a disability or critical illness. Using an innovative array of products designed for professionals, we can help mitigate the financial impact in the event of an unexpected medical event.