News & Updates

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One of the bizarre aspects of drug pricing in the U.S. is that the government is not permitted by law to negotiate the prices of drugs with pharmaceutical manufacturers. In most of the world markets, the national health authority in each country engages in long (and often difficult) discussions with drug sponsors about what the government is willing to pay for a newly approved drug. These negotiations dramatically reduce the cost of prescription drug prices throughout most of the world.https://537152de585dd1de10ae5c48765f46ab.safeframe.googlesyndication.com/safeframe/1-0-38/html/container.html

hBut not in the U.S. In the U.S., pharmaceutical companies can essentially dictate prices for their drug products, and Medicare and Medicaid are not allowed to challenge or disagree with the offer. If a company wants to charge $80,000 a year for a new drug, it can. If a company wants to increase the price […]

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Secure Act Provisions Worth Knowing

Five Key SECURE Act 2.0 Provisions The bipartisan bill provides more opportunities to save for retirement. Here are some highlights. Denise Appleby | Mar 17, 2021 The Securing a Strong Retirement Act of 2020 (don’t let the date in the name mislead you, the bill is still pending), a bipartisan bill popularly dubbed “SECURE Act 2.0” because it […]

Split Dollar Insurance-An Exploration

Split Dollar Plans in the Sports World It’s not often a story involving life insurance makes it into the headlines of the mainstream media, but that’s exactly what happened recently when virtually all of the major media outlets picked up on the news of the split dollar plan the University of Michigan entered into with […]

Think About It-Life Insurance Plan Design

The optimum strategy starts with focus on achieving a tax preferenced  future income or death benefit need.  The largest premium is paid into the smallest life insurance container.  The growth rate on cash values is not left to carrier discretion but instead indexed directly to increases in the S&P 500.  The entire premium is borrowed […]

Estate Tax Review

Tax Hikes On Rich Loom If Treasury Revives Hard Look At Estates MARCH 15, 2021 • ALLYSON VERSPRILLEhttps://2bc60471b3a7c7c1c5302abc451b8b17.safeframe.googlesyndication.com/safeframe/1-0-37/html/container.html Estate planners are keeping a close eye on the Treasury Department’s agenda, anticipating the possible revival of several regulatory projects shelved by the Trump administration. Estates, gifts, and trusts were among the regulatory areas significantly cut back under former […]

Crypto Currency in the IRA Space

How Alto Plans To Set Itself Apart In Alternative, Crypto IRA Space MARCH 8, 2021 • CHRISTOPHER ROBBINS Eight years ago, a technology entrepreneur was fed up with his individual retirement account options. “I had this desire to invest my retirement savings in a private company I was involved with,” said Eric Satz. “It was a complicated, […]

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