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Phoenix Tower

3200 Southwest Freeway, Suite 1900
Houston, TX 77027

 

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Gifts to Minors

By Zarir J. Sethna
Posted on June 19, 2018

Helping a child with his or her education or support often requires gifts. Fortunately, there also may be income and estate tax savings to making gifts to minor children. Gifts can be made directly or indirectly to a child, or to a trust for his or her benefit.

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Using a Business to Fund Life Insurance

By Zarir J. Sethna
Posted on May 21, 2018

For owners, owner-employees, and non-owner employees, personal insurance may be funded through the business a number of different ways. Cash value life insurance, in particular, is frequently employed due to the fact that it can provide long-term insurance protection for one’s family and estate planning needs, as well as act as a tax-efficient source of retirement accumulation funds.

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Revocable Living Trust vs. Traditional Will

By Zarir J. Sethna
Posted on April 14, 2018

Revocable Living Trust: No estate tax savings. Trust assets are included in the grantor's gross estate and subject to estate tax. The same estate tax planning methods are available as with a traditional will.

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Alternatives to Cash on the Balance Sheet

By Zarir J. Sethna
Posted on March 6, 2018

A non-qualified deferred compensation plan is an agreement between an employer and an executive to defer the payment and receipt of compensation to the future for services performed today. The employer makes an unsecured and unfunded promise to pay the amounts specified under the agreement to the executive at some future date. Non-qualified deferred compensation can be utilized in both the employer/executive and the employer/independent contractor context.

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Deferred Compensation

By Zarir J. Sethna
Posted on February 26, 2018

A non-qualified deferred compensation plan is an agreement between an employer and an executive to defer the payment and receipt of compensation to the future for services performed today. The employer makes an unsecured and unfunded promise to pay the amounts specified under the agreement to the executive at some future date. Non-qualified deferred compensation can be utilized in both the employer/executive and the employer/independent contractor context.

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Key Person Life Insurance

By Zarir J. Sethna
Posted on January 14, 2018

A key employee is generally highly paid, responsible for management decisions, has a significant impact on sales, and has a special rapport with customers and creditors. A key employee may or may not be an owner.

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Choosing the Right Insurance Mix

By Zarir J. Sethna
Posted on December 3, 2017

Should you purchase term insurance or is permanent insurance the better buy? If you already own a term policy, should you convert it to a permanent plan, such as whole life? Or is a flexible plan such as universal life the way to go?

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Term and Permanent Life Insurance

By Zarir J. Sethna
Posted on November 12, 2017

The permanent versus term life insurance debate has gone on for years, as if it were possible to say that one type of coverage is better than the other. But when it comes to insurance, one size doesn’t fit all.

Certainly term life insurance has its place. If you’re young or on a budget, term can be an ideal stopgap solution. It can provide you and your family with more coverage for less immediate premium outlay.

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