What We Do
Premium Financing
Premium Financing is a strategy designed to help acquire large life insurance for which there is a need, by borrowing the funds necessary to pay the premiums from a commercial lender. If the client qualifies, they can pay the interest out of pocket annually, or capitalize (roll up) most of the interest into the loan, and contribute only 10% of out of pocket lifetime costs, saving them tremendous lost opportunity cost, potential gift taxes and reduction of lifetime Federal Tax exemption. Foreign Nationals have recently been accepted by US Insurance carriers to secure this strategy/Program.
This Specialty area has grown exponentially over the last 25 years.
Individual Family Estate Planning Strategies
We have the experience you need to ensure your estate plan is done right and is viable and complete when you need it. Plus, we make it easy and affordable. The 2026 Federal Lifetime Estate Tax Exemption is $15 Million in assets and Gifts.
Proper updated planning is paramount.
Guaranteed Retirement Strategies
When it comes to developing an overall retirement strategy, knowledge really is power. Our resources can help clarify your needs and goals and give you insight into the latest research. What if you could get your entire initial Rollover Investment back for your beneficiaries above and beyond AFTER you drain out your IRA or 401K plans due to RMD's (Required Minimum Distributions) throughout your retirement? We have a strategy that will help guarantee achieving this goal. We also provide access to a program that allows our clients the ability to invest in index Options pegged to sectors such as the S&P 500, NASDAQ 100, Russell 2000, and MSCI Emerging and Established with a choice of 10% to 100% downside protection and at NO Fees.
More About Us
Todd Hammer offers insurance and securities products and services as a Registered Representative of Calton & Associates, Inc., member of FINRA and SIPC. Hammer Financial is not owned or controlled by Calton & Associates, Inc. Other products and services may be offered through a non-Calton & Associates entity. Hammer Financial and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.
Hammer Financial Strategies
Individual Family Estate Planning Strategies
- ►Premium Financing Strategies – to offer high net worth clients the ability, if they qualify, to use bank lender money to pay annual premiums to fund their large permanent policies.
- ►Alternative Investment – Cash Stream Strategy – to generate annual supplemental tax-free retirement income for life via a Premium Financed life insurance policy.
- ►Multi-Generational Wealth Transfer – When G-1 is too old or young but sick, to qualify, yet has a $10M+ estate and substantial need for tax planning strategies.
- ►Family Trust Revitalization – where an existing trust is being diluted by too many beneficiaries, or to solve issues involving divorce and different potential ex-spousal discrepancies.
- ►Business Buy-Sell, Key man and Informal Supplemental income for small Groups of 5-200
- ►Charitable Planned Giving – Creates Endowments and tax-free income Stream to Charity for decades – for individual endowment and Donor Groups
- ►Unique Permanent life insurance coverage
- ►Loan Regime Split Dollar
- ►Return of Premium Life Insurance
- ►Life insurance planning strategies with built in coverage for Critical Illness, critical Injury and chronic (LTC) Illness.
- ►Annuities that can provide guaranteed retirement income for life*
- ►Credit Shelter trust with life insurance to mitigate State estate taxes
Consultation Request
Contact Office: (203)-984-4404
Westport, CT 06880 | [email protected]