Krista Teegarden

Krista Teegarden is an advanced planning consultant at Commonwealth Financial Network®, member FINRA/SIPC, the nation’s largest privately held Registered Investment Adviser–independent broker/dealer. In this role, she provides financial planning support for advisors, including guidance on estate, trust, charitable, education, business, and social security planning strategies. Krista earned her bachelor’s degree in finance at Biola University. She holds California life, accident, and health insurance licenses; the Chartered Financial Consultant (ChFC®) and Chartered Life Underwriter (CLU®) designations; and the FINRA Series 7 securities registration.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Recent Posts

NQDC Plans: Are the Advantages Worth the Risks?

Does Your Client Still Need an ILIT?

NQDC Plans: Are the Advantages Worth the Risks?

Posted by Krista Teegarden

January 8, 2020 at 1:30 PM

Do you have highly compensated employees looking to reduce their taxable income or set aside additional money for retirement? With a nonqualified deferred compensation (NQDC) plan, you can help these clients accomplish both goals. Keep in mind, however, that there is some measure of risk to consider—unlike with other types of retirement plans, the money they’ve saved is dependent on the financial solvency of the employer. 

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Topics: Retirement Income Planning

Does Your Client Still Need an ILIT?

Posted by Krista Teegarden

June 4, 2019 at 10:00 AM

Under the Tax Cuts and Jobs Act of 2017, the federal estate tax exemption increased from $5.49 million to $11.4 million per individual (in 2019). This boost means a married couple can exclude a staggering $22.8 million from estate tax!

But this dramatic change has also prompted many clients to question whether they still need an irrevocable life insurance trust (ILIT) if their estate is valued below this exemption. The answer is . . . it depends.

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Topics: Estate Planning

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