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Howard Jonas

Howard Jonas
Howard Jonas is the Director of Advanced Sales at Crump Life Insurance Services. Howard began his insurance career on the Sales Desk at Manulife Financial in Boston, eventually transitioning to Advanced Markets where he stayed after the Manulife/John Hancock merger. After spending several years in this role, Howard took a position in the Advanced Sales Department at Sun Life Financial. After a brief tenure with Sun, Howard moved to St. Petersburg, Florida and established the Advanced Sales Department for Western Reserve Life. While there he authored several articles on topics including Premium Financing, GRATs, planning for business owners, and Defective Trusts. Howard was also a life producer for several years. It is this experience that makes Howard quite valuable when point of sale assistance is needed. Howard holds his Series 6 and 63 license, a life accident and health license, as well as his CLU, ChFC, and CASL designations. He has received Bachelor’s Degrees from Northeastern University and the University of Massachusetts. He is currently pursuing an accounting degree from the University of Maryland.

The Less-Than-One-Year Planning Window

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We’ve all heard the old adage that timing is everything. This is certainly true in the world of estate planning and wealth transfer, especially right now. In 2010, the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act postponed higher taxes and lowered the estate tax exemption we expected in 2011–but only until 2013. The act included a higher exemption …

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