{"id":948,"date":"2019-02-06T19:40:38","date_gmt":"2019-02-06T19:40:38","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?p=948"},"modified":"2019-02-14T14:13:24","modified_gmt":"2019-02-14T14:13:24","slug":"insured-asset-conversion-trust-iact-high-income-less-taxes","status":"publish","type":"post","link":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/","title":{"rendered":"Insured Asset Conversion Trust (IACT) &#8211; High Income Less Taxes"},"content":{"rendered":"\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"1140\" height=\"642\" src=\"https:\/\/www.youtube.com\/embed\/WGAOkSeSNa4?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=en-US&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation\"><\/iframe><\/span>\n<\/div><\/figure>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">Almost every one of the clients over age 65 are primarily\nconcerned about 2 things: Running out of money before they run out of breath,\nand needing extended care with no means other than liquidation of assets to pay\nfor it.<\/p>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">We find that many of these people have their \u201csafe money\u2019 in a number of instruments including CD\u2019s Bonds (Muni, Government Corporate), Treasuries, Annuities.&nbsp; However we know that most of these vehicles other than Municipal Bonds (Which could be subject to AMT and or State taxes) are taxable as ordinary income.&nbsp; Some times that same person is concerned about taking more income because of the taxation. Most people are not concerned about estate taxes&nbsp;today due to the temporarily high&nbsp;exemption. But, all of the above assets are included in one&#8217;s estate. <\/p>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">So to start a conversation with a prospect above who may fit this description: <\/p>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">&#8220;If there is a way that we can increase your after tax return on your safe money, guarantee that income for as long as you live protect the money from care institutions and then transfer it completely tax free to your desired heirs can we do business?&#8221;<\/p>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">There is not one product that can do all of the above.&nbsp; But a solution with the combination of 2 products the sum of the parts accomplishes a lot more than one product.&nbsp; This is the &#8220;Insured Asset Conversion Trust\u201d.<\/p>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">Let\u2019s show examples:<\/p>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">Example 1: A 70 year-old male Connecticut resident with $250,000 in Municipal Bonds, no estate tax problem, standard health (not preferred).&nbsp; Is concerned about getting highest after tax income on that money, and after taking all that money leaving to his 2 children that sum.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"973\" data-permalink=\"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/graphic1\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic1.png?fit=580%2C694&amp;ssl=1\" data-orig-size=\"580,694\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphic1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic1.png?fit=251%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic1.png?fit=580%2C694&amp;ssl=1\" loading=\"lazy\" width=\"580\" height=\"694\" src=\"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/graphic1.png?resize=580%2C694\" alt=\"\" class=\"wp-image-973\" srcset=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic1.png?w=580&amp;ssl=1 580w, https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic1.png?resize=251%2C300&amp;ssl=1 251w\" sizes=\"(max-width: 580px) 100vw, 580px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"980\" data-permalink=\"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/graphic2-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic2-1.png?fit=665%2C452&amp;ssl=1\" data-orig-size=\"665,452\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphic2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic2-1.png?fit=300%2C204&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic2-1.png?fit=665%2C452&amp;ssl=1\" loading=\"lazy\" width=\"665\" height=\"452\" src=\"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/graphic2-1.png?resize=665%2C452\" alt=\"\" class=\"wp-image-980\" srcset=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic2-1.png?w=665&amp;ssl=1 665w, https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic2-1.png?resize=300%2C204&amp;ssl=1 300w\" sizes=\"(max-width: 665px) 100vw, 665px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">The second example shows the same age person that is interested in income the rest of their life and thus the policy replacing the asset is also a lifetime pay.&nbsp; We have the ability of making that new policy a cash value policy that allows for tax free distributions if desired.&nbsp; Like the other example the asset is protected with a chronic care rider.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"975\" data-permalink=\"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/graphic3\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic3.png?fit=578%2C699&amp;ssl=1\" data-orig-size=\"578,699\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphic3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic3.png?fit=248%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic3.png?fit=578%2C699&amp;ssl=1\" loading=\"lazy\" width=\"578\" height=\"699\" src=\"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/graphic3.png?resize=578%2C699\" alt=\"\" class=\"wp-image-975\" srcset=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic3.png?w=578&amp;ssl=1 578w, https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic3.png?resize=248%2C300&amp;ssl=1 248w\" sizes=\"(max-width: 578px) 100vw, 578px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"976\" data-permalink=\"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/graphic4\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic4.png?fit=496%2C369&amp;ssl=1\" data-orig-size=\"496,369\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphic4\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic4.png?fit=300%2C223&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic4.png?fit=496%2C369&amp;ssl=1\" loading=\"lazy\" width=\"496\" height=\"369\" src=\"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/graphic4.png?resize=496%2C369\" alt=\"\" class=\"wp-image-976\" srcset=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic4.png?w=496&amp;ssl=1 496w, https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic4.png?resize=300%2C223&amp;ssl=1 300w\" sizes=\"(max-width: 496px) 100vw, 496px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">The third example is for the same person who doesn\u2019t need the income and wants the most to go to their heirs.&nbsp; We made this a 10 pay as well and it has lots of cash if needed to draw out income if needed later.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"977\" data-permalink=\"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/graphic5\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic5.png?fit=586%2C711&amp;ssl=1\" data-orig-size=\"586,711\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphic5\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic5.png?fit=247%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic5.png?fit=586%2C711&amp;ssl=1\" loading=\"lazy\" width=\"586\" height=\"711\" src=\"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/graphic5.png?resize=586%2C711\" alt=\"\" class=\"wp-image-977\" srcset=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic5.png?w=586&amp;ssl=1 586w, https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic5.png?resize=247%2C300&amp;ssl=1 247w\" sizes=\"(max-width: 586px) 100vw, 586px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"978\" data-permalink=\"https:\/\/staging.himmelsteinfinancial.com\/index.php\/insured-asset-conversion-trust-iact-high-income-less-taxes\/graphic6\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic6.png?fit=555%2C378&amp;ssl=1\" data-orig-size=\"555,378\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphic6\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic6.png?fit=300%2C204&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic6.png?fit=555%2C378&amp;ssl=1\" loading=\"lazy\" width=\"555\" height=\"378\" src=\"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/graphic6.png?resize=555%2C378\" alt=\"\" class=\"wp-image-978\" srcset=\"https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic6.png?w=555&amp;ssl=1 555w, https:\/\/i0.wp.com\/staging.himmelsteinfinancial.com\/wp-content\/uploads\/graphic6.png?resize=300%2C204&amp;ssl=1 300w\" sizes=\"(max-width: 555px) 100vw, 555px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p style=\"color:#4169e1\" class=\"has-text-color\">As you can readily see, a combination of 2 contracts can accomplish a lot more than one with our senior population. If you focus on guaranteed income and protection from care and distributing the proceeds tax free to heirs, they are interested.&nbsp; The Insured Asset Conversion Trust could be the ticket on your next client!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Almost every one of the clients over age 65 are primarily concerned about 2 things: Running out of money before they run out of breath, and needing extended care with no means other than liquidation of assets to pay for it. We find that many of these people have their \u201csafe money\u2019 in a number [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1],"tags":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdUwpZ-fi","jetpack-related-posts":[{"id":605,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/greatest-time-to-find-the-money-and-opportunities-from-1040s\/","url_meta":{"origin":948,"position":0},"title":"Greatest Time To Find the Money and Opportunities from 1040&#8217;s","date":"02\/16\/2017","format":false,"excerpt":"Taxes, Opportunity Find the Money It\u2019s that unique time of the year that happens every year, Tax time.\u00a0 Many people in our industry will either have access or could get access to see our clients or prospects tax return.\u00a0 We have experienced that if you know where the money is,\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":795,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/tax-leveraged-long-term-care-plan\/","url_meta":{"origin":948,"position":1},"title":"Tax Leveraged Long-term Care Plan","date":"04\/06\/2018","format":false,"excerpt":"There is an opportunity for your company to pay for a Long-Term Care policy which may be leveraged between different tax brackets, either between your company and yourself and\/or your company and a key employee.\u00a0 The Himmelstein Financial, in cooperation with Lincoln Financial, designed a solution for business members which\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/Tax-Leveraged-LTC-SPlit-Dollar-Plan-300x232.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":791,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/tax-leveraging-the-new-tax-law\/","url_meta":{"origin":948,"position":2},"title":"Tax leveraging the new tax law","date":"04\/03\/2018","format":false,"excerpt":"Tax leveraging the new tax law Under the new tax structure, businesses may elect to be taxed at a lower rate than individuals that own them. Many owners and their key people may be personally taxed as much as 37% federally.\u00a0 Even this new rate can be a misnomer because\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/gallery.mailchimp.com\/98ad10abd4ba836a05eaa66a0\/images\/c48dc069-7894-485b-978a-1452acb7403c.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":786,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/professional-tax-relief-act-of-2018-reap-the-rewards\/","url_meta":{"origin":948,"position":3},"title":"Professional Tax Relief Act of 2018 Reap the Rewards","date":"03\/27\/2018","format":false,"excerpt":"These are exciting times because for the first time in years there are tax breaks that a professional can get that they didn\u2019t have available before.\u00a0 The unintended consequences of the recent tax act gave opportunity to the professional person that fits in the category if they wanted to be\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":597,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/business-mortgage-leads-program\/","url_meta":{"origin":948,"position":4},"title":"Business Mortgage Leads Program","date":"01\/04\/2017","format":false,"excerpt":"Many of us in\u00a0the business have called on personal mortgage leads, which does not require life insurance.\u00a0 However, to get an SBA loan the government requires life insurance.\u00a0 Some banks actually require additional disability insurance (special kind) to collateralize the loan.\u00a0 This is spelled out on our www.sbasuperclose.com and www.practiceloanins.com\u00a0\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":622,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/the-deductible-insurance-policy\/","url_meta":{"origin":948,"position":5},"title":"The Deductible Insurance Policy","date":"02\/16\/2017","format":false,"excerpt":"Many an advisor or agent has asked me about tax deductibility of premiums when in fact that could change some of the best attributes of the 4 way tax shelter or the Super Roth for the higher compensated person.\u00a0 That is right other than the insurance costs which over\u00a0a long\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/948"}],"collection":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/comments?post=948"}],"version-history":[{"count":8,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/948\/revisions"}],"predecessor-version":[{"id":984,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/948\/revisions\/984"}],"wp:attachment":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/categories?post=948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/tags?post=948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}