Advisor Insights

What Is an Annuity? An annuity is a contract with an insurance company designed to convert assets into future income. You contribute funds—either as a lump sum or through ongoing payments—and in exchange, the insurer agrees to provide income later, either immediately or at a defined point in the future. At its foundation, an annuity is a tool for creating predictable, guaranteed income  and for growing assets in a tax-deferred  manner inside a structure that can be customized

Most people think of tax season as the few stressful weeks between February and April. But in reality, the most valuable tax decisions are made before the year ends , not after. At FREEZE | SULKOV Advisors , we view year-end tax planning as one of the most important strategic conversations we have with clients — because it’s not about satisfying curiosity. It’s about creating control, reducing stress, and setting both you and us up for success. 1️⃣ From “Reaction” to “ Strate

It’s hard to scroll through social media without seeing someone explaining how to “pay zero taxes” or “turn your lifestyle into...

Cryptocurrency continues to capture headlines, spark curiosity, and tempt investors with stories of quick wealth. But alongside the hype...