Rogerio Nitschke Founder and CEO of Ruggeri Gusttati

04/25/2026

Buy-Sell Funding

01/14/2026

𝐓𝐡𝐞 𝐌𝐨𝐬𝐭 𝐎𝐯𝐞𝐫𝐥𝐨𝐨𝐤𝐞𝐝 𝐏𝐚𝐫𝐭 𝐨𝐟 𝐚 𝐁𝐮𝐲-𝐒𝐞𝐥𝐥 𝐀𝐠𝐫𝐞𝐞𝐦𝐞𝐧𝐭: 𝐅𝐮𝐧𝐝𝐢𝐧𝐠 𝐈𝐭 𝐂𝐨𝐫𝐫𝐞𝐜𝐭𝐥𝐲

Many business owners have a buy-sell agreement in place.
Far fewer have it properly funded.

A buy-sell is designed to answer one critical question:

👉 What happens to the business if an owner dies, becomes disabled, or exits unexpectedly?

But here’s the reality:
Without guaranteed liquidity, even the best-written agreement can fail at the exact moment it’s needed.

Relying on cash reserves, bank loans, or future installment payments creates risk:

Cash may not be available
Banks may not lend after a key loss
Installment payments create long-term uncertainty for both sides

That’s why life insurance is most often the funding vehicle of choice:

✔ Immediate liquidity when it’s needed
✔ Predictable funding tied to valuation
✔ Protects the business and the owner’s family
✔ Creates certainty instead of stress during a crisis

A buy-sell agreement isn’t complete when it’s signed.
It’s complete when it’s funded, reviewed, and aligned with the business’s true value.

11/30/2024

"What you think, you become. What you feel, you attract, What you imagine, you create." ~Buddha

04/30/2024

The time is now to act on your love

The time is now to build a lasting legacy for your family. As a New York Life agent, I prioritize safeguarding what you've worked hard for—whether through life insurance, retirement strategy, or estate protection.
The time is now to act on your love. Let's work together to achieve your financial goals.
Get in touch with me today and we can get started on securing a better future for your loved ones.

04/25/2024

Tax-free transfers from IRAs to CRTs and CGAs
IRA owners who want to support a specific charity but also like the idea of receiving a lifetime stream of steady payments can now do both, thanks to a new law described in this article from Professor Chris Hoyt. Learn how donors can retain income from donated funds while ensuring future support for their chosen causes and take full advantage of this evolving landscape of charitable giving options.
https://bit.ly/4b8dS3d

02/19/2024

Running a business is no small feat. At New York Life, we understand the value of having talented employees. Help reward and retain your employees with a custom life insurance plan for your business.

Learn how small business solutions from New York Life can protect business owners and their employees with a variety of services.

12/25/2023

Life insurance provides a tax-free way to leave a legacy to loved ones. I am authorized to offer life insurance solutions to AARP members. Contact me to find out how.

12/11/2023

Want to bring new life to your portfolio? Steve Parrish, co-director of The American College of Financial Services’ Center for Retirement Income, explores a tax-efficient way to protect and grow wealth. https://nyl.co/46Tvtt1

12/07/2023

Worried about the way taxes could affect your standard of living in retirement? Tax diversification with life insurance can help you save more of your money. Contact me to find out how.

12/04/2023

Financial experts share how to handle the three primary forms of inheritance—cash, real estate, and investments—and ways you can fold these resources into your financial plan.

Inheritances typically contain a mix of cash, investments and real estate, experts say. Each come with their own tax rules to be aware of.

11/30/2023

No matter how long you have been remarried, if there are children, including adult children, and you have money and other assets, it is important to know and discuss how those assets will be distributed to your heirs. This article points out some common mistakes to avoid.

An essential list of estate-planning tips for blended families to help ensure your heirs are legally entitled to assets you intend them to inherit.