What would you do if you could free up $600,000 a year and unlock $5 million in hidden value without selling a single traditional asset? That was the question facing a family office managing the estate of an 85-year-old patriarch. He and his late wife had purchased life insurance for all the right reasons, but other investments were now outperforming the policies. Should they continue paying 6-figure premiums over the 10-year projected life expectancy?

The One Big Beautiful Bill Act (“OBBBA”) has created a sense of certainty about the application of transfer tax laws and minimized much of the planning urgency that was associated with the expected “sunset” of various transfer tax provisions. We are finding that this perceived stability under OBBBA is motivating clients at a variety of net worth levels to seek out lifetime estate planning opportunities as numerous issues other than federal estate tax remain, including federal and state income taxes, state estate taxes, and various non-tax objectives such as creditor protection and financial/asset management for younger family members. OBBBA’s retention of the higher federal gift and estate tax exemptions enhances the need to evaluate the overall tax benefits of lifetime transfers versus the basis adjustment (often a basis step-up) that inherited assets typically receive when included in the decedent’s estate. Accordingly, jurisdictional considerations continue to factor prominently into planning discussions, not only to determine a client’s potential estate and income tax exposure at the federal and/or state level, but also to address the later income and capital gain taxation that the trusts and client’s beneficiaries may face after the client’s passing.

Big news! Financial Designs is hiring a VP of Operations. At the core, the VP of Operations oversees the operations of FDL and collaborates with the FDL Ownership group to develop short and long-term goals; ultimately keeping the business relevant, cost efficient, high performing, and current in HR, business applications, compliance, and technology.


This is a full-time role based on-site in the Denver Tech Center of Denver, CO. Relocations welcome (must be willing to relocate to Denver at own expense). The VP of Operations will report to the President/CEO.

If you or someone you know is interested in the position, please use the link below to read more and/or apply.

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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