About Al Gibbons
Al Gibbons specializes in estate planning, life insurance, and long term care insurance for high net worth individuals, high-level corporate executives, and successful entrepreneurs. He works closely with professional tax advisors (attorneys, accountants, and trust officers) designing and implementing sophisticated life insurance strategies to help solve their clients’ unique estate planning needs.
Creator of 80/20 Estate Plan™, Al Gibbons’ expertise emphasizes an effective estate planning process that results in clients taking action and achieving desired results. A talented thinker, speaker, and writer, he has achieved a national reputation and is sought after to explain what he does and why it is so effective.
Al Gibbons joined the National Association of Estate Planners & Councils (NAEPC) Hall of Fame as an Accredited Estate Planner® (Distinguished) with the Class of 2013. He is the past President of the prestigious Forum 400 and an active member of Finseca (formerly Association for Advanced Life Underwriting) and the Philadelphia Estate Planning Council. Al is a past Life member of the Million Dollar Round Table and the Top of the Table.
Professional Education:
Accredited Estate Planner (AEP), 1998
Chartered Financial Consultant (ChFC), 1995
Chartered Life Underwriter (CLU), 1991
Industry:
Accredited Estate Planner®, AEP (Distinguished) (2013)
The Forum 400 (Past Chair)
Philadelphia Estate Planning Council (Past President)
Million Dollar Round Table (Past Life and Qualifying Member)
– Top of the Table (Past Life and Qualifying Member)
Association for Advanced Life Underwriting
Distinguished Estate Planner Recipient (2005) (Philadelphia Estate Planning Council)
Paul S. Mills Scholarship Recipient (2002)(Foundation for Financial Service Professional)
Community Involvement:
VNA-Visiting Nurses Association, Trenton, NJ (Past Board Chair)
St. Joseph’s Prep Fathers’ Club (Past President)
Spring-Ford Country Club (Past President)
Representative Authorship
How to Utilize a Sophisticated Medical Risk Model in Estate Planning, Medical Economics, 2/18 co-authored with Robert Uzzo MD, FACS
High Performance Teaming and Professional Collaboration, Trust & Estates, 5/16; co-authored with Todd Fithian and David W. Holaday
How Collaborative Teams Work and Why They Are Essential for High-Net-Worth Clients, Journal of Practical Estate Planning, February/March 2008
Insurance Trends and Topics, ESTATE PLANNING
A column co-authored with Stephan R. Leimberg:
Are No-Lapse Guarantee Life Insurance Products Disappearing? Forever?, 01/10
Life Settlements and the Planning Opportunities They Offer, 10/03
Performing Due Diligence With Respect to Life Insurance Trust Is Crucial, 5/03
Annuities and Estate Planning, 7/02
Annuity Taxation: More Complex Than Meets the Eye; Income Tax Questions About Non-
Qualified Deferred Annuities, 6/02
Life Insurance After the 2001 Tax Act: Lease, Buy, or Replace?, 4/02
Life Insurance As A Charitable Planning Tool Part 1, 3/02; Part 2, 4/02
Life Insurance: Decision Making After September 11th and EGTRRA, 1/02
Dealing with EGTRAA’s Impact on an Insurance Professional’s Practice, 9/01
COLI, BOLI, TOLI and ‘Insurable Interests’, 7/01
Prop. Regs. On the Definition of Trust Income: The Best Thing for Life Insurance Planning Since
Sliced Bread!, 5/01
Life (Insurance) After Estate Tax ‘Repeal’ or ‘Reform’, 3/01
Premium Financing: The Last Choice – Not the First Choice, 1/01
Trust Owned (and Other) Life Insurance: Time To Get It Right, Philadelphia Estate Planning
Council, Spring 2003
The Ethics of Making Professional Referrals, Journal for Financial Service Professionals, 5/00
Beyond Competence: The Ethics of Implementation, Trust and Estates, 11/99
Estate Planning: From A to Z in 60 Days, National Underwriter, 7/99
The 80/20 Estate Plan™, Best’s Review, 7/98
Representative Presentations
Collaboration Topics
IG Private Wealth Management Round Table Symposium, 4/19, Toronto, Canada
Conference for Advanced Life Underwriting Annual Meeting, 5/18, Ottawa, Ontario
National Association of Estate Planners and Councils Annual Meeting, 10/12, Orlando, FL
Top of the Table, 10/10, Naples, FL
Estate Planning Councils: Tampa Bay, FL 9/12; New York City, NY 4/06; Lehigh Valley, PA, 2/06; Montgomery County. PA 9/04
Ethics Topics
Trust in Crisis: Ethical Responsibilities In A Time of Financial Turmoil — The American College, 3/23/09, Bryn Mawr, PA
Ethics Forum — Compliance: A Blessing or A Curse? — Philadelphia Estate Planning Council, 4/25/07, Philadelphia, PA
An Interactive Ethics Panel Discussion for Estate Planning Professionals — Montgomery County Estate Planning Council, 11/27/06, Gwynedd, PA
Compensation of the Estate Planning Professional — Ethics Issues Philadelphia EPC Roundtable Session, 11/98 Philadelphia, PA
Ethical Issues for the Estate Planning Team Philadelphia EPC Roundtable Session, 11/97, Philadelphia, PA
The 80/20 Estate Plan™: From A to Z in 60 Days
Forum 400, 1/13, Bonita Springs, FL
Million Dollar Round Table Annual Meeting, 6/04, Anaheim, CA & 6/99, New Orleans, LA
Montgomery County Probate & Tax Section 6/02, Norristown, PA
National Association of Insurance and Financial Advisors 79th Annual Sales Congress, 10/01, Pittsburgh, PA
Estate Planning Councils: Boston MA 12/99, Deleware DE 11/99, Montgomery County PA 3/99
Society of Financial Service Professionals, 10/99, Philadelphia, PA
Life Insurance Fundamentals – with Robert C. Slane, AEP, CLU and Michael W. Halloran, CFP, AEP, ChFC, CLU – National Association of Estate Planners & Counciles, 11/13, Las Vegas, NV
Non-Recourse Premium Financing — Sunny Skies or Strom Warnings? Moderator — Philadelphia Bar Association Probate Section’s Tax Committee, 4/06, Philadelphia, PA
2005 Delaware Tax Institute, Life Settlements: Evaluating Their Appropriateness, 11/05, Newark, DE
Fundamentals of Insurance Philadelphia Estate Planning Council Foundation Series, 6/06 & 6/02, Philadelphia, PA
Strategies for Estate Planning Temple University, 4/02, Philadelphia, PA
Planned Giving Council of Greater Philadelphia 10/7 and 10/01, Philadelphia, PA
Private Insurance Solutions for the Elderly, Pennsylvania Bar Institute, 12/00, Phila., PA
Life Insurance and Estate Planning Opportunities — Sophisticated Use of Viatical and High Net Worth Settlements with Morton P. Greenberg, JD, CLU – Philadelphia EPC Roundtable Session, 9/99
Estate Planning for the Business Owner – A Nuts and Bolts Case Study Approach PICPA, Greater Philadelphia Chapter; Montgomery Bar Association’s Probate and Tax Section; and the Montgomery County Estate Planning Council, 6/97 Lafayette Hill, PA
Interviews/Quotes
Wistar Supporters Look to the Future with Gifts of Life Insurance, The Wistar Institute Focus,
Spring 2012
Making Collaboration Work, Investment Advisor, 02/08
High Performance Collaboration, Investment Advisor, 07/07
Ample Headroom, Bloomberg Wealth Manager, 10/05
When Mum’s the Word, Bloomberg Wealth Manager, 12/01
When Being An Agent Just Isn’t Enough, Life & Health Advisor, New England Edition, 2/00
What are the Big Hitters Saying: Discussions with Industry All-Stars at the MDRT, California Broker, by Kate Kinkade, CLU, ChFC, 8/99
RADIO/TELEVISION:
80/20 Estate Planning, Host 13-Part Series, North American Broadcast Company (WALE 990, Providence, RI, 2001)
80/20 Estate Planning, Insurance Broadcast System — Life/Health Television Network, 7/97