TODD HAMMER's Colleagues at Hammer Financial
TODD HAMMER's Contact Details
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New York City Metropolitan Area
Hammer Financial
TODD HAMMER's Company Details
Individual Family Estate Planning StrategiesPremium Financing Strategies to offer high net worth clients the ability, if they qualify, to use bank lender money to pay annual premiums to their large permanent polices. Clients can pay annual interest on the loan out of pocket or capitalize (roll up) the interest into the loan.Multi-Generational Wealth Transfer –When G-1 is too old or young but sick, to qualify, yet has a $30M+ estate and substantial need for tax planning strategiesFamily Trust Revitalization- where existing trust is being diluted by too many beneficiariesBusiness Buy-Sell, Key man and Informal Supplemental income for small Groups of 5-200Charitable Planned Giving- Creates Endowments and tax-free income Stream to Charity for decades- for individual endowment and Donor GroupsStrategies to generate supplemental tax-free retirement incomePermanent life insurance coverageLoan Regime Split DollarReturn of Premium Life InsuranceLife insurance planning strategies with built in coverage for Critical Illness, critical Injury and chronic (LTC) Illness.Annuities that can provide guaranteed retirement income for life*Credit Shelter trust with life insurance to mitigate State estate taxes