Tim Fuller

President, SRS Inc.

Tim Fuller is President of SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency) that has connected independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners for more than 50 years. Tim and the SRS team specialize in impaired-risk underwriting, advanced case design, and helping advisors place the cases other IMOs turn away.

Life InsuranceImpaired RiskLong-Term CareDisability IncomeAdvanced MarketsUnderwriting

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Caregiver Contracts and Long-Term Care Insurance: Paying Family Caregivers

September 25, 2026January 13, 2022 by Tim Fuller

Adult daughter and her aging mother sharing a warm moment while discussing long-term care planning

Many families want a relative, rather than a stranger, to provide care. A caregiver contract makes that arrangement formal, and the right long-term care policy can help pay for it.

Key takeaways

A caregiver contract is an attorney-drafted agreement to pay a relative for providing care.
Many LTC policies won’t reimburse a family member directly as a caregiver.
Policies with a cash or indemnity benefit pay regardless of who provides care, which makes them well suited to funding a caregiver contract.

Many LTC policies won’t pay a family member directly. A cash benefit pays regardless of who provides the care.

What a caregiver contract is

A caregiver contract is an agreement, usually drafted by an attorney, in which a relative is paid to care for a disabled or aging family member. It spells out the caregiver’s duties, the length of the arrangement (often the care recipient’s lifetime), and whether payment is made in installments or a lump sum. Proper documentation can also matter for Medicaid planning, so legal advice is important.

Where long-term care insurance fits

An LTC policy can fund the payments promised under the contract. The key is policy design: many reimbursement-style policies exclude care from family members. A policy with a cash or indemnity benefit pays once the insured qualifies for benefits, regardless of who provides care, so the funds can go to the family caregiver. Hybrid designs often use indemnity benefits; see when asset-based LTC is a fit.

Why it helps your practice

Families caring for a parent face this question constantly. An advisor who understands both the insurance and the planning side is seen as more knowledgeable and trustworthy. Our LTC team can help you identify policies with the right benefit structure.

Frequently asked questions

Can long-term care insurance pay a family member to provide care?

Some policies can, especially those with a cash or indemnity benefit. Many reimbursement policies exclude family caregivers.

What is a caregiver agreement?

A written contract, usually drafted by an attorney, that sets out a relative’s caregiving duties and how they will be paid.

What is a cash benefit on an LTC policy?

A benefit paid to the insured once they qualify for care, which they can use as they choose, including paying a family caregiver.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.

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Case Study: $10 Million Permanent Total Disability Coverage for an NFL Draft Prospect

September 25, 2026January 12, 2022 by Tim Fuller

Professional working confidently at her desk, representing disability income protection

A projected top-10 NFL draft pick has millions in guaranteed money and signing bonus riding on staying healthy until draft day. One injury could erase it. Here’s how one prospect protected that value.

Key takeaways

Top draft prospects risk losing guaranteed contract money to a pre-draft injury or illness.
A $10 million permanent total disability policy covered the player from placement until draft day.
The premium was about $35,000 plus taxes and fees, and the policy ended when he signed his NFL contract.

$10 million of permanent total disability coverage for about $35,000 in premium — protecting a top-10 pick until he signed.

The client

A junior offensive lineman at a major university, ranked second at his position and projected as a top-10 pick, chose to skip his senior year and enter the NFL draft.

The risk

Because of the physical nature of the sport, an injury or illness causing permanent total disability before the draft would cost him millions in guaranteed money and signing bonuses.

The solution

Working with the player’s advisor, we placed a $10 million permanent total disability policy covering any injury, accident, or illness from placement through draft day. The policy terminated when he signed his NFL contract. The premium was roughly $35,000 plus taxes and fees.

The takeaway

The player could focus on preparing for the draft knowing his projected value was protected. High earners in other occupations can have similar gaps in disability protection. See also coverage options for professional athletes and a DI case study on an NFL running back.

Frequently asked questions

Do NFL draft prospects buy disability insurance?

Many top prospects buy permanent total disability or loss of value coverage to protect their projected contract before the draft.

How much does draft disability insurance cost?

It depends on coverage amount, sport, and position. In this case, $10 million of coverage cost about $35,000 plus taxes and fees.

What is permanent total disability coverage?

A policy that pays a lump sum if an injury or illness permanently prevents the insured from playing or working.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Laddering Term Life Insurance: Matching Coverage to Declining Needs

September 25, 2026January 10, 2022 by Tim Fuller

Happy family of four laughing together on the couch, representing life insurance protection

Most term insurance needs shrink over time: fewer years of income to replace, lower mortgage balances, children growing up. Yet many clients buy one large policy for the longest term they need. Laddering multiple term policies can match coverage to those declining needs at a lower cumulative cost.

Key takeaways

Income replacement and debt protection needs typically decline as the years pass.
Laddering uses several term policies of different durations so total coverage steps down over time.
Compared with one large long-duration policy, a ladder can reduce total premium outlay while keeping coverage adequate.

Trying to cover multiple obligations with different time horizons using one policy is rarely the most efficient approach.

Why term needs decline

Term insurance is an affordable way to protect income during working years or cover obligations like a mortgage or business loan. Both needs shrink: each year there are fewer years of income to replace, and each payment reduces the balance owed. Clients may also have several obligations with different time horizons.

How a term ladder works

Instead of one policy for the total need at the longest duration, the client buys several policies with staggered terms. For example, a 30-year policy covers the long-term base need, a 20-year policy covers the mortgage and child-rearing years, and a 10-year policy covers a shorter obligation. As each policy expires, total coverage steps down in line with the need.

The cost advantage

Because shorter-term policies cost less per thousand than longer-term ones, a ladder can produce considerable savings compared with buying the full amount for the longest duration. We can run a side-by-side comparison of a laddered design versus a single policy for your client.

Keep in mind that each policy may carry its own policy fee, and conversion rights matter: see why term conversion options differ.

A reason to call existing term clients

Even clients who already own term may benefit from a review. Needs change, and a ladder can help them keep adequate coverage while managing cost. Contact our team for a laddering comparison.

Frequently asked questions

What is term life insurance laddering?

It is buying multiple term policies with different durations so total coverage decreases over time as needs such as income replacement and mortgage balances decline.

Is laddering cheaper than one large term policy?

Often, because shorter terms cost less. A ladder can lower the total premium paid while keeping coverage aligned with needs. A side-by-side comparison will show the difference.

Are there downsides to laddering?

Multiple policies mean multiple policy fees and applications, and coverage steps down on schedule even if needs don’t. Conversion privileges on each policy should also be checked.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Long-Term Care Inflation Protection: Choosing Between 3% and 5%

September 25, 2026January 6, 2022 by Tim Fuller

Clients often buy long-term care coverage 20 to 30 years before they use it. Without inflation protection, a benefit that looks adequate today could cover a fraction of the cost later.

Key takeaways

Inflation protection keeps benefits growing to match rising care costs.
5% compound maximizes the future benefit but costs noticeably more than 3% compound.
Care cost growth has slowed from historic highs of around 7% a year, so 3% compound may be adequate for many clients, especially those who plan to receive care at home.

Care cost growth has slowed to roughly 1–5% a year in most settings. For many clients, 3% compound protection is enough.

Why inflation protection matters

A $200-a-day benefit bought at age 55 must still be meaningful at 80. Inflation riders increase the benefit over time so it keeps pace with care costs. Choosing the right option depends on the client’s age, budget, risk tolerance, and where they’re likely to receive care.

3% or 5% compound?

The 5% compound option was long considered the gold standard because it produces the largest future benefit pool. But care costs no longer rise as fast as they did. For many years, nursing home costs grew around 7% a year; in 2025, most care settings grew between 1% and 5%. See the latest cost of care figures.

The 3% compound option costs less and may keep pace well, particularly for home care, which has grown more slowly than facility care.

Matching the option to the client

Younger buyers (50s): more years of compounding, so stronger inflation protection matters more.
Budget-conscious clients: 3% compound with a higher starting benefit may be a better value than 5% with a lower one.
Partnership policies: states set minimum inflation protection by age, which limits choices.

For other ways to manage premium, see five design levers for LTC affordability.

Frequently asked questions

Do I need inflation protection on long-term care insurance?

For most buyers under 70, yes. Coverage is often bought decades before it’s used, and care costs rise over time.

Is 3% or 5% inflation protection better for LTC insurance?

5% builds larger benefits but costs more. With care cost growth slowing, 3% compound is adequate for many clients.

What is compound inflation protection?

The benefit increases each year by a percentage of the prior year’s benefit, so increases grow over time.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Own-Occupation vs. Any-Occupation Disability Insurance: Explaining the Definitions

September 25, 2026January 5, 2022 by Tim Fuller

Disability insurance terminology overwhelms many clients, and the most important term is also the most confusing: the definition of disability. It decides whether a policy pays when a client can’t do their job but could do something else.

Key takeaways

True own-occupation pays if the client can’t perform their specific occupation, even if they work in another field.
Modified own-occupation pays if they can’t do their occupation and aren’t working elsewhere.
Any-occupation pays only if they can’t work in any job suited to their education and experience, a much stricter test.

A surgeon who injures a hand but can teach medicine: true own-occupation pays in full. Any-occupation likely pays nothing.

The three common definitions

True own-occupation: the insured is disabled if they can’t perform the material duties of their own occupation, even if they choose to work in another one and earn income.
Modified (transitional) own-occupation: the insured is disabled if they can’t perform their own occupation and are not working in another. If they work elsewhere, benefits may be reduced.
Any-occupation: the insured is disabled only if they can’t work in any occupation reasonably suited to their education, training, and experience. Common in group plans after two years.

Keep the conversation simple

Clients don’t need every nuance. Help them focus on the big picture with a few questions:

How much monthly income would you need to meet obligations if you couldn’t work?
Will you need to increase your benefit in the future?
What’s your budget?
If you couldn’t do your job, would you work in a different field, or wait to recover and return (even part-time)?
Any health conditions that could affect eligibility?

The answer to the fourth question usually points to the right definition.

Cost and availability

True own-occupation costs more and is typically reserved for higher occupation classes such as physicians and some professionals. Modified own-occupation is a common, cost-effective choice for many others. See keeping premiums affordable.

Frequently asked questions

What is own-occupation disability insurance?

Coverage that pays if you can’t perform the duties of your specific occupation, even if you can work in another field.

What is any-occupation disability insurance?

Coverage that pays only if you can’t work in any job reasonably suited to your education, training, and experience.

Is own-occupation disability insurance worth it?

For specialized professionals whose income depends on specific skills, such as surgeons or dentists, it’s often considered essential.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Trustee Liability: Why Choosing a Trustworthy Trustee Matters

September 25, 2026January 4, 2022 by Tim Fuller

Advisor and client reviewing an advanced markets estate planning strategy in a private office

Clients often name a well-meaning relative as trustee or executor with little thought about what the role requires. A federal court case shows how costly that can be. Here’s what advisors should help clients understand before naming a fiduciary.

Key takeaways

In U.S. v. Read, a trustee who distributed trust assets without paying a known tax liability was held personally liable for the tax.
Fiduciary roles — trustee, executor, attorney-in-fact — are not honorary; they carry real legal and financial responsibility.
Contingent and co-fiduciaries deserve the same care in selection as the primary.

Fiduciaries do not fill honorary positions — they must be ready to make life-altering decisions and keep the financial affairs in good order.

The Read case

In U.S. v. Read, a taxpayer funded an irrevocable trust for his children with his spouse’s appreciated stock options. Over time the options were exercised and the stock sold, creating an income tax liability of about $125,000 in the trust. Instead of paying the tax, the trustee distributed the trust assets to the children according to the trust terms.

When the IRS caught up, the U.S. District Court held the trustee personally liable for the tax, because he had paid other expenses while having notice of facts that would lead a reasonably prudent person to inquire about the debt owed to the United States.

What this means for your clients

Advisors routinely encourage clients to name fiduciaries: executors, trustees, agents under powers of attorney. Too often, clients pick a pleasant but semi-reliable relative willing to serve as a favor, with little understanding of the responsibilities.

A trust document may protect the trustee from claims by beneficiaries, but it does not necessarily shield them from third parties — especially the federal government.

Choosing contingent and co-fiduciaries

Contingents matter. When planning for young children, the named fiduciaries are often older than the beneficiaries, so the contingent may well be called on.
Co-fiduciaries must work together. Choose like-minded people who will advance the client’s purposes, and avoid structures that can produce tie votes.
Consider professional help. For complex trusts, a corporate trustee or a professional co-trustee may be appropriate.

Where insurance advisors fit

Life insurance trusts, business agreements and estate plans all depend on capable fiduciaries. Encourage clients to have their attorney explain the duties and qualifications for anyone they appoint. For more on trust-owned coverage, see our articles on grantor trusts and estate tax liquidity. Contact us with questions about fiduciary roles in life, annuity, LTC or disability planning.

Frequently asked questions

Can a trustee be personally liable for trust taxes?

Yes. In U.S. v. Read, a trustee who distributed trust assets while aware of facts suggesting a federal tax debt was held personally liable for roughly $125,000 in unpaid tax.

Does the trust document protect the trustee?

It may protect a trustee from claims by beneficiaries, but it generally doesn’t shield them from third-party creditors such as the IRS.

Should a client name a family member or a corporate trustee?

It depends on the trust’s complexity and the family dynamics. Family members bring personal knowledge; corporate trustees bring expertise and continuity. Some clients use both as co-trustees.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Direct vs. Non-Direct Recognition: How Policy Loans Affect Whole Life Dividends

September 25, 2026January 3, 2022 by Tim Fuller

Whole life remains the most conservative form of permanent insurance, and more advisors are positioning it as a source of tax-favored supplemental income. Before a client starts borrowing, it’s important to understand how loans can change the dividends the policy earns.

Key takeaways

Under direct recognition, the carrier credits a different dividend rate on the borrowed portion of cash value than on the unborrowed portion.
This matters most for short-pay designs that rely on dividends and internal cash value to sustain the policy long term.
Regular post-sale reviews help keep a loaned policy from lapsing unexpectedly and triggering a tax bill.

If a policy with a large loan lapses, the client can face a tax bill on the gain — even though they never received a check at lapse.

Why whole life income planning is growing

Clients searching for low-risk, conservative products with stable performance have renewed interest in participating whole life. Many advisors now position these policies as a way to deliver tax-favored income through withdrawals and policy loans. That makes it essential to explain how those loans interact with dividends.

What direct recognition means

With direct recognition, the carrier credits a different dividend rate to the portion of cash value backing an outstanding loan than it does to the unborrowed portion. Depending on the loan rate and the carrier’s dividend formula, the borrowed portion may earn more or less than the rest of the policy.

With non-direct recognition, the carrier credits the same dividend regardless of loans. Neither approach is automatically better; the loan interest rate and the carrier’s overall dividend history matter too. Confirm each carrier’s current approach.

Where the risk lies

Short-pay whole life designs depend on dividend performance and internal cash value to carry the policy after premiums stop. If dividends fall short of the illustrated schedule because of a sizable loan — and no one is reviewing the policy — the policy can drift toward lapse. A lapse with loans outstanding can produce taxable income on the gain.

Similar dynamics apply to IUL; see our comparison of IUL policy loan options.

Best practices for advisors

Know whether the carrier uses direct or non-direct recognition before illustrating income
Illustrate loans at conservative dividend assumptions
Stay in touch after the sale and request in-force illustrations regularly
Set clear expectations with clients about repaying or managing loan interest

Direct recognition isn’t a reason to avoid whole life — it’s a reason to understand it. If you’ve sold a whole life policy that will be used for income, contact us and we’ll help you evaluate how loans will affect dividends and long-term performance.

Frequently asked questions

What is direct recognition in whole life insurance?

It is a dividend approach in which the carrier credits a different dividend rate to cash value that is backing a policy loan than to cash value that is not borrowed against.

Is non-direct recognition better than direct recognition?

Not necessarily. Results depend on the loan interest rate, the dividend scale and the carrier’s history. Each should be evaluated for the client’s specific income plan.

Can a whole life policy with loans lapse?

Yes. If loan interest and a reduced dividend cause the loan balance to exceed the cash value, the policy can lapse, and any gain may become taxable income.

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Reviewed by Tim Fuller on 2026-09-25

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President, SRS Inc.

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Why Family Shouldn’t Be Your Client’s Long-Term Care Plan

September 25, 2026December 30, 2021 by Tim Fuller

When clients don’t plan for long-term care, they still have a plan. It’s their family. Most adult children will step up, but the cost to their time, careers, finances, and relationships is rarely discussed until it’s too late.

Key takeaways

Without a plan, parents often end up spending their savings and relying on their children for care.
Family caregiving strains time, geography, and money, and can damage relationships.
Most adult children don’t want to be caregivers but do it anyway, often at real cost to their own careers and families.

Every client has a long-term care plan. For most, it’s their children — whether the children have agreed to it or not.

When family becomes the plan

Parents without a plan often end up sacrificing income, assets, and promises made to heirs to pay for care. When the money runs short or they want to stay home, the work falls to family. Most adult children say they don’t want to be caregivers, yet when it happens, they almost always do it, even when the relationship is difficult.

Three pressures on family caregivers

Time: adult children are already balancing jobs, their own kids, and commitments. Care needs usually grow over time.
Geography: siblings in different cities can’t share the load evenly, and one often carries most of it.
Money: someone has to pay, and caregivers often cut hours or leave work.

The hidden cost to relationships

Long caregiving can strain marriages, create resentment between siblings, and change the relationship with the parent receiving care. Caregivers also lose time for their own children, careers, and communities. Many clients have seen this firsthand, which is why sharing stories is so effective.

Raising it with clients

Ask clients: if you needed care, who would provide it, and what would it cost them? Framing long-term care insurance as protecting their children often resonates more than protecting their own assets. For clients without children, the challenge is different; see LTC planning for couples with no children.

Frequently asked questions

Why shouldn’t family be a long-term care plan?

Family caregiving can cost adult children time, income, and career opportunities, and strain relationships, especially as care needs grow.

Do most adult children care for their parents?

Most do when needed, even though many say they wouldn’t want to. That’s why planning ahead protects them.

How can long-term care insurance help families?

It pays for professional care, so family members can support a parent without becoming full-time caregivers.

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Reviewed by Tim Fuller on 2026-09-25

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Protecting Retirement Contributions When a Client Can’t Work

September 25, 2026December 29, 2021 by Tim Fuller

Active retired couple walking their dog on a coastal trail, representing retirement planning

Advisors spend years helping clients save for retirement. A disability can stop that progress overnight, not just because income stops, but because contributions, employer matches, and Social Security credits stop too.

Key takeaways

A disability can halt personal retirement saving, employer matching contributions, and Social Security earnings credits.
Even a disability of a year or two can set retirement back significantly because of lost compounding.
Disability retirement coverage pays contributions into a trust while the client is disabled, so saving continues.

When the paycheck stops, so does the 401(k) contribution — and the employer match with it.

What stops when income stops

Personal contributions to 401(k), 403(b), SEP, or solo 401(k) plans
Employer matching or profit-sharing contributions
Social Security earnings credits (though a disability “freeze” can protect a Social Security record for those approved for SSDI)

Regular disability insurance replaces part of the paycheck, but it’s usually all needed for living expenses.

The solution: disability retirement coverage

Disability retirement security policies pay a monthly benefit into a trust while the insured is disabled, where it’s invested for retirement. It’s designed for clients who already have group or individual disability coverage and understand the importance of retirement saving. At one carrier, eligibility has started around $76,000 of annual income. See how DI Retirement Security works.

Self-employed clients

Business owners and self-employed professionals who fund SEPs or solo 401(k)s have no employer to keep contributions going. Disability retirement coverage can be especially valuable for them. We can help with illustrations, case design, and implementation.

Frequently asked questions

What happens to retirement savings if you become disabled?

Contributions and employer matches usually stop, and savings may be drawn down to cover expenses, setting retirement back.

What is disability retirement coverage?

Insurance that pays retirement contributions into a trust while the insured is disabled, so retirement saving continues.

Can self-employed people protect retirement contributions?

Yes. Disability retirement coverage can replace contributions to plans like SEPs or solo 401(k)s.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Credit Shelter (“B”) Trusts vs. Portability: 5 Reasons B Trusts Still Matter

September 25, 2026December 28, 2021 by Tim Fuller

Since portability became permanent law, many wealthy couples assume they no longer need a credit shelter (“B”) trust. Even with the federal exemption now at $15 million per person, there are good reasons to keep one in the plan.

Key takeaways

Portability lets a surviving spouse use the deceased spouse’s unused exemption (DSUE), but only if an estate tax return is filed at the first death.
The DSUE amount is frozen at the first death and isn’t indexed for inflation or growth; a B trust shelters all future appreciation.
B trusts also add protection from creditors and changed plans, and can own life insurance outside the taxable estate.

Portability freezes the unused exemption at the first death. A B trust shelters everything the assets grow into afterward.

Why B trusts were created

Before portability, the first spouse’s exemption was lost if everything passed to the survivor under the unlimited marital deduction. Couples used a credit shelter or “B” trust, funded with assets equal to the exemption, to preserve it. The American Taxpayer Relief Act of 2012 made portability permanent: the deceased spouse’s unused exemption (DSUE) can pass to the survivor. With the exemption now $15 million per person from 2026, see what the permanent exemption means for planning.

5 reasons to keep B trust planning

Protects appreciation: assets in a B trust grow outside both spouses’ estates. The DSUE is locked in at the first death and doesn’t grow.
Protects the plan: a B trust locks in the first spouse’s wishes, so they can’t be changed by a later will or challenged in probate.
Creditor protection: assets in the trust aren’t subject to claims against the surviving spouse.
Avoids losing the exemption by mistake: portability requires a timely estate tax return at the first death, even when no tax is due. A B trust doesn’t depend on that filing.
Leverages life insurance: a B trust can own life insurance intended to pay future estate taxes, keeping the death benefit outside the taxable estate.

The trade-offs

Assets in a B trust don’t receive a second step-up in income tax basis at the surviving spouse’s death, which can matter for highly appreciated assets. Portability is also simpler and cheaper to administer. The right answer depends on the size of the estate, expected growth, family dynamics, and state estate taxes, which is why this belongs in a conversation with the client’s attorney and tax advisor.

Frequently asked questions

What is portability in estate planning?

The ability of a surviving spouse to use the deceased spouse’s unused federal estate tax exemption, provided an estate tax return is filed at the first death.

Is a credit shelter trust still needed with portability?

Often it still adds value: it shelters future growth, protects against creditors and changed plans, and can own life insurance outside the estate.

Does the unused exemption grow with inflation?

No. The deceased spouse’s unused exemption is fixed at the first death, while assets in a B trust can grow outside the estate.

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Reviewed by Tim Fuller on 2026-09-25

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Tim Fuller

What a caregiver contract is

Where long-term care insurance fits

Why it helps your practice

Frequently asked questions

Tim Fuller

We’re Here to Help

The client

The risk

The solution

The takeaway

Frequently asked questions

Tim Fuller

We’re Here to Help

Why term needs decline

How a term ladder works

The cost advantage

A reason to call existing term clients

Frequently asked questions

Tim Fuller

We’re Here to Help

Why inflation protection matters

3% or 5% compound?

Matching the option to the client

Frequently asked questions

Tim Fuller

We’re Here to Help

The three common definitions

Keep the conversation simple

Cost and availability

Frequently asked questions

Tim Fuller

We’re Here to Help

The Read case

What this means for your clients

Choosing contingent and co-fiduciaries

Where insurance advisors fit

Frequently asked questions

Tim Fuller

We’re Here to Help

Why whole life income planning is growing

What direct recognition means

Where the risk lies

Best practices for advisors

Frequently asked questions

Tim Fuller

We’re Here to Help

When family becomes the plan

Three pressures on family caregivers

The hidden cost to relationships

Raising it with clients

Frequently asked questions

Tim Fuller

We’re Here to Help

What stops when income stops

The solution: disability retirement coverage

Self-employed clients

Frequently asked questions

Tim Fuller

We’re Here to Help

Why B trusts were created

5 reasons to keep B trust planning

The trade-offs

Frequently asked questions

Tim Fuller

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Tim Fuller