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Todd demonstrates how spending down portfolio assets faster while purchasing life insurance with some of the spend-down can:

  • reduce taxes,
  • create more net spendable income, and
  • increase assets to heirs. 

Also discussed:

  • how a reverse mortgage can provide benefits for both the client and heirs;
  • how life insurance can be a “permission slip” to spend down assets in a more advantageous way;
  • why you should “build” the calculator with the client rather than explain a completed illustration.

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