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Fischman Insurance Group

Fischman Insurance Group

Ari Fischman in Southfield, MI

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  • About
    • Our Founder
    • Mission and Core Values
    • Community & Industry Involvement
    • Client Communities
  • Expertise
    • Wealth Advisory
    • Services Overview
    • Current Planning Considerations
  • Industry Commentary & News
  • Connect
  • Client Forms
    • Checklist
    • Tax Efficiency Check Up

Industry Commentary & News

Michigan Auto Reform Update
with Ari Fischman

The Importance of Insurance in the Financial Planning Process with Lauren Genuardi

When going through the financial planning process it is important to review your insurance policies. Today Lauren shares her personal experience and the benefits of completing an insurance audit.

This was done in conjunction with Telemus – see important disclosure.

A Strategic Approach to Insurance

Make no mistake: insurance coverage is an investment, one that most people can’t afford to overlook. But studies have found that only 59% of Americans have some form of life insurance, and nearly half of those 59% are underinsured by an average of $200,000. Without adequate insurance coverage, your financial picture may be incomplete.

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This webinar was done in conjunction with Telemus on February 12, 2020 – see important disclosure.

The New Reality of Business Insurance

The COVID-19 pandemic has affected every industry, from small retail businesses to enterprise organizations. The insurance industry is not immune to these effects, and business, auto and life insurance policies are likely to undergo significant changes as a result.

This webinar was done in conjunction with Telemus on April 30, 2020 – see important disclosure.

Tax and Estate Planning Strategies for Current Times

The current economic climate is challenging, to say the least: the market has yet to stabilize, unemployment rates are still high, and it is likely that a full recovery could take months or years. Within all of the unrest, there are silver linings when it comes to financial life management.

This webinar was done in conjunction with Telemus on June 9, 2020 – see important disclosure.

Disability Insurance

64% of people believe they have less than a 2% chance of becoming disabled during their working career. The reality is 25% of people who start their working careers at age 25 are likely to have a disability that knocks them out of work.

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Using the Lifetime Gift Tax Exemption to Prefund ILIT

The Tax Cuts and Jobs Act of 2017 (“The Act”) doubled the gift, estate and generation-skipping transfer (GST) tax exemption to $10,000,000 per person, indexed for inflation using the Chained-CPI index…

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Interest Rates on the Fall, Planning Opportunities on the Rise!

The Applicable Federal Rate (AFR) and Section 7520 Rate have been falling throughout 2019 due to the lowering of short-term rates by the Federal Reserve and Treasury Bond market yields coming down. Low interest rates can make many income, gift and estate tax planning techniques more effective…

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Comprehensive Legacy Strategies

I recently met with a Wealthy Real Estate client who had an estate tax concern. Their net worth was over 11 Million. They were gifting their kids $15,000 annually which is the maximum allowed by the IRS without using some of their lifetime exception…

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The Best Laid Business Plans: Have yours gone awry?

Which would you rather do: Make easy sacrifices now for results later? Or make hard sacrifices now as a consequence of something that already happened?

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Finding Stability in an Unstable Market

We are currently in the midst of one of the most difficult financial markets to navigate. The stock market is just off all-time highs, interest rates are near historic lows, and our national debt is skyrocketing…

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Time for a Financial Check-Up

So all doctors are rich right? They get to live a cushy, easy life, right? Yeah, try not to laugh. We know that’s far from the truth. You had to pay your dues – years of schooling…

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You Need an Insurance Audit

Many people overpay for inadequate coverage. To find out if you’re among them, don’t ask Flo; ask a financial planner…

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6 Life Insurance Pivots Which May Require an Update

The Life Insurance Industry has become quite creative with their product designs aligning with various economic environments. The problem is that people do not stay as engaged with their Life Insurance policies as they are with their investments or other more short-term…

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*Awards and recognitions by unaffiliated publications should not be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if Telemus Capital, LLC (“Telemus”) is engaged, or continues to be engaged, to provide investment advisory services, nor should they be construed as a current or past endorsement of Telemus or its representatives by any of its clients. Rankings published by magazines and others are generally based on information prepared and/or submitted by the recognized adviser. Barron’s ranking reflects the volume of assets overseen by the advisors and their teams, revenues generated for the firms, and the quality of the advisors’ practices. Investment returns are not a component of the rankings. Telemus did not pay a fee for inclusion on this list.

The information provided in this presentation is general and educational in nature and should not be construed as investment or tax advice. You should consult with your own tax advisor regarding your personal tax situation. The statements contained herein are based solely upon the opinions of Telemus Capital, LLC. All opinions and views constitute our judgments as of the date of writing and are subject to change at any time without notice. Information was obtained from third party sources, which we believe to be reliable, but not guaranteed. PAST PERFORMANCE IS NOT A GUARANTEE OF FUTURE RESULTS. Investment decisions should always be made based on the client’s specific financial needs, goals and objectives, time horizon and risk tolerance. Current and future portfolio holdings are subject to risk. Risks may include interest-rate risk, market risk, inflation risk, deflation risk, currency risk, reinvestment risk, business risk, liquidity risk, financial risk and cybersecurity risk. These risks are more fully described in Telemus Capital’s Firm Brochure (Part 2A of Form ADV), which is available upon request. Telemus Capital does not guarantee the results of any investments. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, and may lose value.

Current Planning Considerations

The world as we know it has changed dramatically in the last year, which means there are plenty of new considerations that need to be taken into account to ensure your financial plan stays on the right track. Fill out the form below to receive your free resources.

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Cell: 347-683-6598
Office: 248-827-0518
Email: Email Ari

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© 2023 Fischman Insurance Group

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Cell: 347-683-6598
Office: 248-827-0518
Email: ari@fischmaninsurancegroup.com

Ari Fischman is an employee of, and an investment adviser representative registered through, Telemus Capital, LLC (“Telemus”). There is no affiliation between Telemus and Fischman Insurance Group. Telemus’ subsidiary, Telemus Insurance Services, LLC, has a referral arrangement in place with Fischman Insurance Group. See www.Telemus.com for more information.

*In addition to insurance, Fischman Insurance Group’s principal, Ari Fischman, is also affiliated with Telemus Capital, LLC. In that capacity, Ari has access to the investment management and wealth advisory services offered by Telemus.