Insights
Prospera Perspectives
Expert insights on retirement planning, wealth preservation, and financial strategy from the Prospera team.
Speed of Capital: The Personal Bank Strategy for Business Owners
How some business owners use whole life insurance cash value and policy loans as a source of capital, with the interest, lapse, MEC and early-year cost trade-offs to understand first.
Beyond the 401(k): Another Layer of Tax-Advantaged Retirement Income
Why 401(k) limits can leave a gap for business owners, and how permanent life insurance may add a tax-advantaged layer, with the MEC, loan, cost and lapse limits to understand first.
The Tax Bill Already Inside Your Retirement Plan
Many business owners reach retirement with nearly all their wealth in one tax bucket. Five predictable tax pressure points, a three-bucket framework, and where cash value life insurance fits next to Roth accounts.
The Risk No Portfolio Can Outrun: Planning for Long-Term Care
Most retirement plans are built to survive a bad market, not a long illness. What Medicare will not pay for, the hidden cost of self-insuring, and how hybrid life insurance with long-term care benefits fits the plan.
The Agreement That Decides Everything: Succession Planning After Connelly
Two changes rewrote the rules for buy-sell agreements, and most agreements predate both. What Connelly changed, how the permanent $15M exemption distorts older documents, and where buyout liquidity actually comes from.
Building a Retirement Income Floor
How lifetime income from an annuity can help cover essential expenses, giving growth assets more time to recover from downturns.
The Estate Tax Exemption Just Changed Forever
The One Big Beautiful Bill Act made the elevated exemption permanent. Here's what it means for your planning.
Retirement Guardrails: Keeping Spending Steady in Any Market
Flexible spending frameworks that help retirees maintain confidence through market volatility.
Mastering Financial Freedom: Key Strategies for Wealth Building and Retirement Planning
Essential strategies for building wealth, planning retirement, and achieving financial independence.
When Risk Turns Against You: Protecting Your Retirement from Market Downturns
How sequence of returns risk can devastate retirement portfolios and strategies to protect against it.
Shifting from Growth to Income: Retirement Moves to Make Today
Key transitions to make as you shift from wealth accumulation to retirement income generation.
Prospera's Financial Ecosystem: How Our Family Office Model Works
How Prospera's family office model coordinates wealth preservation, business strategy, and investment management.