What We Do
Individual Family Estate
Planning Strategies
We have the experience you need to ensure your estate plan is done right and is viable and complete when you need it. Plus, we make it easy and affordable. With the current Lifetime Exemption of $13.61 Million in assets set to sunset in 2025 and reduce to $5.49 million, proper updated planning is paramount and timing is of the essence, prior to this major reduction.
Premium Financing
Premium Financing is a strategy designed to help acquire large life insurance for which there is a need, by borrowing the funds necessary to pay the premiums from a commercial lender. If the client qualifies, they can pay the interest out of pocket annually, or capitalize (roll up) most of the interest into the loan, and contribute only 10% of out of pocket lifetime costs, saving them tremendous lost opportunity cost, potential gift taxes and reduction of lifetime Federal Tax exemption.
Guaranteed Retirement
Strategies
When it comes to developing an overall retirement strategy, knowledge really is power. Our resources can help clarify your needs and goals and give you insight into the latest research.
What if you could get your entire initial Rollover Investment back for your beneficiaries above and beyond AFTER you drain out your IRA or 401K plans due to RMD’s (Required Minimum Distributions) throughout your retirement? We have a strategy that will guarantee achieving this goal.
More About Us
Todd Hammer offers insurance and securities products and services as a Registered Representative of Calton & Associates, Inc., member of FINRA and SIPC. Hammer Financial is not affiliated with Calton & Associates. Other products and services may be offered through a non-Calton & Associates entity. Hammer Financial and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.
Hammer Financial Strategies
Individual Family Estate Planning Strategies
Premium Financing Strategies to offer high net worth clients the ability, if they qualify, to use bank lender money to pay annual premiums to fund their large permanent polices.
Alternative Investment– Cash Stream Strategy – to generate annual supplemental tax-free retirement income for life via a Premium Financed life insurance policy.
Multi-Generational Wealth Transfer –When G-1 is too old or young but sick, to qualify, yet has a $10M+ estate and substantial need for tax planning strategies.
Family Trust Revitalization- where an existing trust is being diluted by too many beneficiaries, or to solve issues involving divorce and different potential ex-spousal discrepancies.
Business Buy-Sell, Key man and Informal Supplemental income for small Groups of 5-200
Charitable Planned Giving- Creates Endowments and tax-free income Stream to Charity for decades- for individual endowment and Donor Groups
Unique Permanent life insurance coverage
Loan Regime Split Dollar
Return of Premium Life Insurance
Life 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
Consultation Request
Contact
Office: (203)-984-4404
30 Harbor Road
Westport, CT 06880
thammer@hammerfinancial.net
Todd Hammer offers insurance and securities products and services as a Registered Representative of Calton & Associates, Inc., member FINRA and SIPC. Hammer Financial is not affiliated with Calton & Associates, Inc. Other products and services may be offered through a non- Calton & Associates, Inc entity. Hammer Financial and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.
Availability of Disability Income and Long Term Care Insurance varies by carrier and state
Licenses and State Registrations:
Securities: CT, NY, FL, NJ
Life Insurance: CT, NY, FL, NJ
Variable Life Insurance: CT, NY, FL, NJ
Mutual Funds: CT, NY, FL, NJ
Variable Annuities: CT, NY, FL, NJ