The Lindberg & Ripple
Knowledge Base

Read the latest news and insights on investing,
wealth planning, benefits, insurance solutions, and more.

Potential Changes Ahead for Estate and Gift Taxes Under the Biden Administration

Learn about President Biden’s estate and gift tax reform plans and how they could change strategies for wealthy Americans.

Why an Intra-Family Loan May Be a Good Way to Transfer Wealth Right Now

Learn why record-low interest rates make the intra-family loan an attractive option for transferring wealth while avoiding estate tax penalties.

What High Earners Should Know About the Proposed Capital Gains Tax Hikes

Learn why the Biden Administration’s proposal to increase capital gain taxes may have a significant impact on wealth management planning for high-net-worth individuals.

Paul Sullivan

Wed. April 15 | 10am PT Paul Sullivan writes the Wealth Matters column for The New York Times covering issues from private banking and wealth management to philanthropy and inheritance. His articles have appeared in publications such as Fortune, Money, and The Financial Times.  

A Look at the CARES Act Required Minimum Distribution (RMD) Waivers, One Year Later

Learn why the retirement fund minimum distribution waivers allowed by the CARES Act have tax implications for 2020 tax filings of retirees and their beneficiaries.

How the Stepped-Up Cost Basis Can Benefit Your Heirs

Capital gains taxes can limit the money left to heirs after selling off stocks. Learn how the stepped-up cost basis rule reduces these taxes.

Ian Bremmer

Wed. March 18 | 10am PT Join renowned political scientist Ian Bremmer for a trip around the world in 20 minutes. Ian unpacks the geopolitical landscape and its impact on the U.S. economy, climate issues, cybersecurity, and more. He shares why we should feel optimistic about the post-pandemic recovery, as well as the principal global […]

Lowering a Tax Burden Through Stock Donations

Donating appreciated stocks can provide numerous benefits. Learn how this charitable gift can reduce your tax burden.

Jonathan Godsall

Wed. February 24 | 10am PT Jonathan Godsall provides data-driven insights into how the insurance industry is adapting to meet the expectations of the client of the future. Watch the replay to hear more about the trends reshaping the industry, the changing needs of consumers, and the importance of expanded and enhanced digital capabilities.  

Andy Friedman

Wed. February 17 | 10am PT Andy Friedman provides a comprehensive review of the new Washington landscape and its potential effects on taxes and investing.  

Asset Allocation Trends During the COViD-19 Pandemic

Some asset allocation trends have emerged in light of COVID-19’s effect and projected impact on the economy—but learn why comprehensive, individualized planning remains essential.

The 5 Traits of a Top Wealth Management and Investment Advisor

Receiving world-class financial advice relies on specific, crucial professional qualities. Learn what they are:

The Basics of Investment Liquidity

Learn about high and low liquidity levels and what each could mean for your current and future portfolio decisions. Think of assets as ice and money like water, and you’re getting the gist of liquidity.

Paulo Pinho

Wed. January 27 | 10:00 am PT Dr. Paulo Pinho looks at why COVID-19 has caused challenges finding coverage for jumbo cases and older clients. Dr. Pinho discusses co-morbid conditions and how they exacerbate COVID-19, how reinsurers view COVID-19, the keys to success for the vaccines, and what has to happen before things return to […]

The Risks Involved in Maintaining Intergenerational Wealth

A history of wealth is no guarantee that it will survive the next generation. Know the risks to create more durable assets. The greatest wealth transfer in history is afoot. The next decade will see around $68 trillion passed from one…

Are Concentrated Assets More Risk than Reward?

Many wealthy individuals hold concentrated asset positions, but this strategy requires great risk awareness. Concentrated assets rightly set off some alarm bells by challenging the golden rule of diversification.

The Difference Between Restricted and Controlled Stock

Securities can take various forms, and each has certain benefits, drawbacks, details, and applications. Knowing the difference…

Active vs. Passive Investing: The Pros and Cons

How close should an investor’s finger be to the pulse of their assets? As always in wealth management, the answer relies heavily on the individual’s circumstances and preferences alongside some tried and tested practices.

A Look at Income Replacement in Retirement

The things that should end with a career are stress and traffic—income must maintain a steady flow for a comfortable and secure retirement.

Kedra Newsom

Wed. October 28 | 10:00 am PT Kedra Newsom of Boston Consulting Group engaged the M Community in a robust discussion about women’s wealth and the complex needs of HNW and UHNW women. She shared specific strategies for advisors in this market and how the industry is changing to better reach this audience.  

Paul Ryan

Wed. October 7 | 10:00 am PT M Financial was honored to welcome Paul Ryan, former Speaker of the U.S. House of Representatives, as our fall Future of Insurance keynote speaker. From his two decades in office to the founding of the nonprofit American Idea Foundation, Paul Ryan’s career has focused on public policy and […]

The Basics of Asset Allocation

Achieving optimal allocation is a key investor goal, but what constitutes “optimal” is a diverse variable not only between individuals but often for the same individual over time…

Ways to Minimize Taxation on Highly Appreciated Assets

Capital gains taxes can take a massive bite out of the returns on highly appreciated assets. Capital gains, of course, are the amount by which…

Carrier Discussion

Wed. September 23 | 10:00 am PT Henry Wong & Tod Nasser – John Hancock & Pacific Life Wondering how the current state of the economy and capital markets are impacting carrier portfolios and investments, and what that means for new business? Tod Nasser of Pacific Life and Henry Wong from John Hancock engaged in a panel discussion […]

The Benefits and Challenges of Estate Equalization

Estate distributions are about more than money and assets—and wealthy individuals may find it difficult to form a long-term strategy that’s fair to everyone.

Don Delf

Wed. September 9 | 10:00 am PT Don Delf, Private Wealth Advisory Leader for PwC US, brought his legacy and expertise in private wealth to answer the trillion-dollar question: What’s top of mind for business owners and family offices heading into elections and uncertainty? Don also explored how elasticity of exemptions is critical in the […]

Dynasty Trusts and Multi-Generational Planning Can Help Future-Proof Wealth

It’s a sad reality that estrangement and divorce can sour relationships with loved ones and impact family wealth. Taxes can also significantly impact…

Have You Planned for a Longer Life? And Are Your Finances Ready?

People are living longer, leaving many with more time than money. Learn why this can be a double-edged sword for…

Tony Arnerich

Wed. August 12 | 10:00 am PT Multi-Impact Asset Management in the Current Economy Tony Arnerich explored current trends related to ESG (environmental, social, governance) investing, intentional investing, and wealth transfer to the next generation. He demonstrated how the pandemic has created opportunities for environmentally and socially responsible investing and the implications to your clients’ […]

Scott Clemons

Wed. July 29 | 10:00 am PT Investing in the Wake of a Pandemic Scott Clemons, Chief Investment Strategist for Brown Brothers Harriman, examined the data around the pandemic’s effects on the economy. He also discussed the impact for insurance companies managing large amounts of money, what it means for your clients’ portfolios, and the […]

Zanny Beddoes

Wed. July 15 | 10:00 am PT Our Global Economy in the Post-Pandemic World KEYNOTE SPEAKER: Zanny Minton Beddoes – The Economist Named one of the Most Powerful Women in the World by Forbes, Zanny Minton Beddoes is a leading voice at the intersection of economics and policy. Known for delivering sophisticated insight on all facets of […]

Financial Planning for a Longer Life

People are living longer, leaving many with more time than money. Learn why this can be a double-edged sword for the wealthy…

Marc Cadin and Armstrong Robinson

Wed. June 24 | 12:30 PT COVID = Accelerant for Change AALU/GAMA’s Marc Cadin and Armstrong Robinson examined developing political trends and what financial professionals should expect through election day. They also explored the long-term impact of recent regulatory and legislative actions and identified the top opportunities and threats these regulations will generate for financial […]

Marc-Andre Giguere

Wed. June 17 | 11:00 am PT What do your HNW clients and key advisors need to know about how the reinsurance sector is responding to current What do your HNW clients and key advisors need to know about how the reinsurance sector is responding to current market conditions? Marc-Andre Giguere discussed possible ripple effects […]

Doug French

Wed. June 3 | 10:00 am PT Beyond COVID 19 – How the insurance industry will reimagine their business. Doug French, Ernst & Young’s Managing Principal of Insurance & Actuarial Services, examined the current economic disruption, its impact on the global insurance marketplace, and the effects on wealth transfer for the UHNW client, followed by […]

Colin Devine

Wed. June 3 | 10:00 am PT Outlook for the U.S. Life Insurance Industry After COVID-19 Colin Devine, Principal of C. Devine & Associates, examined the current status of the U.S. life insurance industry and how life insurers are doing amid COVID-19. Colin offers deep insights into what to expect in the coming months, the new […]

Dr. Quincy Krosby

Wed. May 6 | 10:00 am PT Of the Moment Market Outlook Dr. Quincy Krosby, Prudential’s Chief Market Strategist, discussed how the pandemic is impacting financial markets and the overall economy. Dr. Krosby explored the recent and rapid shift in consumer behavior and the emergence of new technologies for navigating the current landscape, and she […]

Jeff Bush

Wed. April 22 | 9:30 am PT An Overview of the Political Environment, Prospective Legislation, and Strategies for Investment and Retirement Planning Jeff Bush and Andy Friedman have collaborated on a 2020 presentation that addresses all of the issues brought about by the recent coronavirus pandemic. In his April 22 presentation, Jeff explored the details […]

Private Placement Life Insurance Offers Big Tax Benefits to Affluent Investors

Should You Consider Private Placement Life Insurance? The secret to investing in alternative investments without a supersized tax bite Private Placement Life Insurance (PPLI) products…

How to Minimize the Effects of the GST Tax

The Generation-Skipping Tax Exemption and Maximizing Wealth Preservation The ability to provide a financial gift to future generations is one of the most satisfying benefits of wealth. It pays to know how to make that gesture while…

Retirement Planning by the Numbers

Retirement planning offers many options for peace of mind. Spotlighting the 401(k), 403(b), and 457(f) and how a plan manager can help. 401(k)s, 403(b)s, and 457(f)s are vital tools for retirement planners. Some plans are…

Be Dedicated to Your Clients and Everything Will Fall into Place

Michael Silverberg is a Senior Advisor at Lindberg & Ripple. Listen to him speak on the M Financial Podcast “Inside Voices: Be Dedicated to Your Clients and Everything will Fall into Place.”

The Importance of Actively Monitoring Your Investments

Only sustained vigilance on where your money is and how it’s doing will make investments worth your while. If foresight is the backbone of wealth planning, actively monitoring investments is its lifeblood. Investing is a dynamic arena where small market ripples can set off major changes across a portfolio.

The Generation-Skipping Tax Exemption and Maximizing Wealth Preservation

It’s important to understand the GST tax (Generation-Skipping Transfer tax) in the context of the Tax Cuts and Jobs Act (TCJA). Since it’s passing, the TCJA has led to significant changes…

Should You Consider Private Placement Life Insurance?

The secret to investing in alternative investments without a supersized tax bite Private Placement Life Insurance (PPLI) products are fast becoming the strategy…

Estate Planning Opportunities with the TCJA: Gift Tax Exemptions

People with large estates have an unprecedented – but temporary – opportunity to transfer a substantial amount of wealth to their loved ones without incurring transfer taxes. Lindberg & Ripple reveals why families should take advantage of these higher gift tax limits now for estate planning.

Various Investment Options Defer Tax and Generate More Potential Income

“Time is money” is a neat summation of tax-deferred investment accounts. Discover how to generate these savings and why the longer investors wait, the better. Taxes are typically inevitable. However, there are ways to delay the inevitable and accumulate more significant wealth in the process.

Explaining Retirement Income Drawdowns

A well-considered drawdown strategy is one of retirement planning’s key requirements. Here are some of the considerations of well-laid plans. Wealthy individuals have an enviable dilemma. Their higher financial status frees them from the common concern over whether they have enough funds to sustain them in retirement.

The Benefits of Portfolio Diversification

Increased chance of returns and reduced risk are just two reasons for a varied portfolio. How much is too much? It’s a good question when looking at the best ways to make diverse investments work. Of course, investors stocking up on “too much” of one lucrative option could be in for serious losses if that asset class hits a rough patch.

Are Free Equity Trades the Bargain They Seem to Be?

Several online brokers have announced zero-cost trading. What customers aren’t being told is the brokers are now cashing in on offering very low percentages on uninvested cash. There are a few golden rules in investment, with “If something looks too good to be true, it probably is” being one of them.

Employers: Are You Meeting Your Fiduciary Responsibilities for Your 401(k) Plan?

With the right steps, a business owner’s fiduciary duties should be nothing to panic about Many business owners and retirement program managers are under-informed about the fiduciary…

Learn Tax and Other Advantages of Charitable Giving

For many wealthy individuals, giving to charity is gift enough in itself. They may not be aware that their goodwill can also contribute toward retirement. Direct giving or donations through IRAs, charitable trusts, or other models can be an excellent way to enjoy tax deductions and the contentment of helping others through a qualifying organization of your choice.

Inbound U.S. Tax Planning with Life Insurance

The Issue: U.S. Worldwide Income and Transfer Taxation. The primary issue faced by wealthy non-U.S. residents immigrating to the U.S. is that the U.S. taxes its residents on their worldwide income and estates. For such clients, the prospect of paying U.S. taxes on family wealth earned entirely outside the U.S. prior to immigration is a tough pill to swallow.

The Double-Edged Sword of Portfolio Concentration

Along with the potential for high return comes high risk. Diversification is a generally accepted principle of sound investing—a portfolio spread out over a variety of market segments and asset classes allows for more predictable returns and less risk. Concentration, on the other hand, takes a decidedly different approach.

How to Maintain an Endowment’s Value and Generate Annual Income

Non-profit and charitable institutions can reap great benefits if they’re fortunate enough to receive an endowment. With a few key practices, the original fund can remain stable while providing a steady source of spendable income.

6 Reasons a Company Needs to Offer a Strong 401(k) Plan

High-quality retirement benefits can be a game-changer for recruiting and retaining talent In a market where top-tier talent has their pick of job opportunities, 401(k) are no longer just a benefit, rather an expected part of…

Asset Allocation Strategies: Which One is Right for You?

Determining the optimal asset allocation range for your investment portfolio. Many investors agonize over choosing individual stocks, without realizing that strategizing a smart approach to asset allocation is even more important.

401(k) Trustees May be Held Liable for Failing to Educate Employees About Retirement Savings

A company’s responsibility doesn’t end when third-parties oversee its 401(k) plan. Offering employer-sponsored retirement plans to employees is a no-brainer for most businesses.

Investors: A World of Diversification Benefits is Waiting

Why a globally-diversified portfolio can help you weather the short-term ups and downs of investing. Nobel Prize-winning economist Harry Markowitz famously called diversification the only “free lunch” in finance.

Factor Investing or Index Investing: Which Strategy is Right for You?

Determining the most desirable way to grow wealth. High returns at low costs are the goal of every investor. And savvy investors know that passive and active vehicles both have benefits and disadvantages which must be assessed in light of a specific investment strategy.

Why Bond Funds Benefit Investors More than Individual Bonds

Bonds vs. Bond Funds: What’s the Better Investment? Buying individual bonds can expose investors to unnecessary risks. As fixed-income markets draw investors weary of the turbulent stock market, a common question arises: are bonds or bond funds the better investment?