Click here to view Questions & Answers that arose during the LinkedIn Live Stream.
For more information about how we can assist with the complexities of divorce and premarital planning, please contact Sharon Klein.
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Christy L. Watkins, CFA
Administrative Vice President and Senior Investment Advisor
Christy develops customized investment portfolios for her clients based on their unique parameters for risk, return, liquidity, and other factors. After taking the time to listen to her client’s objectives and to understand any tax, legal, and personal considerations, she then structures a diversified portfolio in keeping with the client’s asset allocation plan. Christy continually monitors and periodically rebalances her clients’ portfolios to reflect their evolving needs and to pursue new investment opportunities.
Anne Kelligrew St.Clair, CIMA
Administrative Vice President and Senior Relationship Manager
Anne is responsible for meeting the complex financial needs of Family Wealth’s national clients. As a senior relationship manager and team leader, she coordinates a broad range of services available through the Wilmington Trust Wealth Management team, including investment management, planning, trust, family governance, and family office services. She provides strategic advice, highly personalized service, and drawing on her prior role as a Private Banking regional managing director for Family Wealth, tailored credit and banking solutions.
Sharon Klein Answers Questions from: How to Stress Test a Divorce Plan
Click on the below QUESTION to view Sharon's response.
No, getting an in-force illustration is not the same as a policy review. While an in-force illustration can provide important information, a thorough policy review should be completed by an outside, neutral, expert organization (not the broker who sold the insurance). This type of review encompasses whether the policy is performing, an analysis of the strength of the insurance company, whether the type of policy is still appropriate having regard to factors like whether the health of the insured, market conditions or the original goal in purchasing the insurance has changed, comparisons with different options to check if premium amounts/death benefits are competitive in the current environment or whether an exchange should be considered to obtain more attractive/less expensive coverage. Wilmington Trust uses such an outside, third party to review insurance when we act as trustee of life insurance trusts.
Please feel free to email me for further guidance, tips and best practices for life insurance reviews.
Our Latest Divorce Insights eBook: Divorce: What Professional Advisors Must Know
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