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I'm sticking with my plans to intergrate whole life insurance into my portfolio.

But I've switched structures. I'm going to establish a family limited partnership in Delaware. The FLP will own the brokerage account and WL policy. Then we can gift the max annual amount to our kids as tge years go on.

My in laws have farm land in a state with a very low estate tax. To complicate matters, they don't seem too concerned about it. So not sure how to about the situation. It's their family legacy, not mine.

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