Life Insurance

Shepherd Wealth Solutions approaches life insurance the “wealthy way” – using it as another tool in your toolbox, not just something you keep in your back pocket. We consider three primary uses:

• Tax Efficiency: Life insurance pays out no tax as a wealth transfer.
• Backdoor ROTH: Life insurance can be used against ROTH contribution limits.
• Long-Term Care: A tax-free death benefit can fund potential long-term care and hedge against potential costs. If that money goes unspent, it can also be returned to you while you’re alive or to your loved ones after you’ve passed.

Life insurance is a versatile tool to use while you’re alive and after you’ve passed. If you don’t use this money, your family will – it’s all part of the plan.