FDL July Newsletter

FROM YOUR FRIENDS AT FINANCIAL DESIGNS LTD.

JULY | 2025

This year marks a major milestone for Financial Designs Ltd., as we celebrate 55 years of business!

From our first day of founding by Dave Hunter until now, our mission has remained the same: provide personalized and sophisticated wealth transfer, insurance advisory, and executive benefits solutions that empower our clients to plan confidently for the future. Although we remain true to our traditional values, we consistently focus on offering modern solutions.

To our clients, partners, and team members – thank you. Your trust and support have shaped who we are, and we couldn’t have done it without you. Here’s to 55 years of service and dedication. We look forward to many more!

The Washington Report: Wealth Transfer Edition

From the Desk of an Estate Planning Attorney: Buy-Sell Planning Since Connelly – What are we doing now?

Last summer, in Connelly v. U.S., the U.S. Supreme Court unanimously ruled that life insurance proceeds received by a closely held company and earmarked to redeem a deceased shareholder’s ownership interests increased the estate tax value of the company and, consequently, the deceased shareholder’s interests. This decision has made redemption arrangements funded by company-owned life insurance less appealing for estate tax purposes.

Valuation of Life Insurance Policies

When a life insurance policy is transferred, the policy may need to be valued for income tax, gift tax, estate tax, or generation-skipping transfer tax purposes. Even when a policy is not transferred, the policy owner or other interested parties may need to value the policy for tax, accounting, or other nontax reasons. The question “What is the value of a life insurance policy?” can result in complex and inconsistent answers for many reasons.

FDL Team Updates

Our team member, Adam Green is retiring after 24 years with Financial Designs. We celebrate and thank him for his remarkable dedication and loyalty. Adam has been a key part of our client service team and his knowledge, commitment and genuine care for making sure our clients are well served has made a lasting impact on both colleagues and clients.

As he enters this exciting new chapter, Adam is looking forward to spending more time with his family and friends, getting out on the golf course, and exploring new destinations. Well-earned adventures after decades of hard work.

Thank you, Adam, for everything you've contributed to Financial Designs. You will be greatly missed, and we wish you all the best in the adventures ahead!

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ABOUT US | OUR SERVICES | M FINANCIAL GROUP | CONTACT US

Through our relationship with M Financial Group our clients gain access to exclusively priced proprietary products that are not available through traditional agents or brokers.

This material is intended for informational purposes only and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.

Confidentiality notice: This document is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized use, disclosure, or distribution is prohibited.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. Financial Designs Ltd. is independently owned and operated.

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