CHARITABLE PLANNING

Turn charitable intent into advanced planning

Brokers Alliance gives independent agents and advisors the training and the case support to bring charitable trusts to their clients with confidence.

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01 · THE PROGRAM

Sell advanced plans with confidence

Brokers Alliance can assist independent insurance agents with advanced planning strategies. We provide the life insurance training and the life insurance services that set agents and advisors up to carry these more advanced plans into the field. Two charitable trust strategies anchor the program.

CLT Charitable Lead Trust

A larger up-front deduction that can offset an IRA to ROTH conversion. Income flows to the charity first, and the remaining assets return to the client or the family later.

CRT Charitable Remainder Trust

The inverse. Sell an appreciated asset without the capital gains hit, take income for the term, and leave the remainder to the charity of your client's choice.

02 · CHARITABLE LEAD TRUST

Give first, keep the deduction

Built for the charitably inclined client who wants a substantial deduction now. The trust is funded with non-qualified dollars, and the up-front deduction can be used to soften the tax on a ROTH conversion.

Deduction of roughly 60% to 100% of the contribution Funded with non-qualified assets only (already-taxed dollars) Charitably inclined Sweet spot: a large IRA plus large non-qualified assets for a ROTH conversion

1Contribute

The client contributes non-qualified dollars into the trust.

2Deduct

The client receives a deduction that can offset an IRA to ROTH conversion.

3Give

Each year the trust distributes to the charity of the client's choice.

4Return

After the term is fulfilled, the remaining assets return to the client or elected beneficiaries.

03 · CHARITABLE REMAINDER TRUST

Sell the asset, skip the capital gains

The inverse of the lead trust. The client places a portion of appreciated assets into the trust, takes a deduction, and still draws income from the asset while avoiding the capital gains that a direct sale would trigger.

Deduction of roughly 15% to 40% of the contribution Charitably inclined Wants to avoid capital gains on the sale of an asset and still benefit from it Funded with non-qualified assets only (already-taxed dollars)

1Contribute

The client places a portion of appreciated assets into the trust.

2Deduct

The client receives a tax deduction for the gift.

3Sell tax-exempt

A tax exempt entity sells the appreciated assets and avoids capital gains.

4Income, then legacy

Recurring distributions return to the client as income; the remainder goes to charity at the end of the term.

04 · TOOLS AT YOUR FINGERTIPS

Free tech tools behind every case

Contracted agents get access to the Brokers Alliance myAdvisor Cloud, a customized set of sales tools, resources, and a sales dashboard that carry the presentation from quote to close.

AC myAdvisor Cloud

Customized sales tools, resources, and a sales dashboard in one place. Sign up for free once you are contracted.

IUL IUL selling tool

Quote and begin the sale in one convenient place, and demonstrate the added value of permanent life insurance with a client-ready presentation.

How can we help you? Call (866) 872-9394 or reach out and the team will walk you through the case.

Ready to add charitable planning to your practice?

Get contracted with Brokers Alliance and put the training, the case support, and the tools behind your next advanced-planning client.

Get contracted