Author Archive


Flexible (ILIT) Irrevocable Life Insurance Trust

Flexible ILIT • An Irrevocable Life Insurance Trust (ILIT) is used to remove the death benefit from the insured’s estate for estate tax purposes. If the insured has an “incident of ownership” in the life insurance policy at death (or within 3 years prior to death) the death benefit value


School Counselors & Advice: What can go wrong

*FREE MP3 & PDF Report* A recently released study by Public Agenda illustrates what can go wrong when there are not enough school counselors to support students …. The result, as this study confirms, is a significantly decreased ability of school counselors to work individually with students in navigating the complex financial aid and college admission process.


Educational Bonds: Pros & Cons

Education Bond Program The Education Bond Program makes the interest on certain savings bonds tax free when the bonds are redeemed to pay qualified higher education expenses or to roll over into a section 529 plan. Eligible bonds include Series EE Bonds issued after December 31, 1989 and all Series


Ralph Migliozzi

Mortgage broker and lender since 1982, Ralph brings a wealth of experience to the team at TRI Financial Group.


Federal Debt and the Risk of a Fiscal Crisis

From the Congressional Budget Office (CBO) Over the past few years, U.S. government debt held by the public has grown rapidly—to the point that, com- pared with the total output of the economy, it is now higher than it has ever been except during the period around World War II.


Taxable vs Tax Deferred: Why it matters

See the potential benefits of a tax-deferred investment vs. a taxable investments. Depending on your tax bracket it can save or cost you thousands of dollars.


Tax Recovery Act

Summary of the American Recovery and Reinvestment Act of 2009 Provided by: Robert M. Ingram The American Recovery and Reinvestment Act of 2009 was signed into law by President Obama on February 17, 2009. Also known as the economic stimulus package, the American Recovery and Reinvestment Act of 2009 has


When you change jobs: You & your 401k

You MayHave an important decision to make… What to do with your money in an employer-sponsored retirement plan, such as a 401(k) plan. Since these funds were originally intended to help provide financial security during retirement, you need to carefully evaluate which of the following options will best ensure that



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Shannon Hicks | AGA

Shannon Hicks, Is Associate General Agent of TRI Financial Group. His practice focuses on creative solutions for retirement and business planning including retirement plan rollovers.

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