David Byers, Managing Principal Capital Strategies Group joined Jeff Richetti for a Break-out Session on the virtual mainstage September 15th to discuss today’s favorable gift and estate tax rates, and how to prepare for the future. David reviewed several case studies using strategies that highlight the effectiveness of incorporating life insurance into wealth transfer strategies. David is past president of AALU and was honored the previous day for his service to this national organization. For over 40 years AALU has been at the forefront of the advanced life insurance industry, actively lobbying Congress for the protection of life insurance products and its distribution, delivering financial and retirement security to individuals and businesses. #5888858.1