OUR PHILOSOPHY
We thrive on developing life insurance strategies that enable successful families and businesses to maximize the wealth they will pass on, in the most efficient way possible.
Whether it is transferring wealth from generation to generation, meeting philanthropic goals, or creating higher and more predictable rates of return. We are at the forefront of providing our clients with cutting-edge solutions to meet each individual needs.
INDEPENDENT OBJECTIVE SOLUTIONS USING LIFE INSURANCE
Our team combines decades of experience in analyzing and implementing strategies which deploy our client's assets into new avenues of growth and sustainability.
Those strategies are delivered to each client through a proprietary wealth management process that optimizes the effectiveness of each client's strategy.
OUR UNIQUE STRATEGIES
PREMIUM FINANCING
Successful people keep their capital working where it is most profitable, in their business or investments. Life insurance is a tool that can help mitigate risk and solve a problem for their business or estate. We help our clients understand how a leveraged design can allow them to have both without compromising either.
BUSINESS SUCCESSION
Using life insurance in business succession planning ensures a smooth transition of ownership when a key person passes away. By insuring key stakeholders, businesses can secure funds to cover expenses, settle debts, or facilitate buyouts, helping maintain stability during difficult times. A buy-sell agreement funded by life insurance allows surviving owners to purchase the deceased's shares at a predetermined price, ensuring control and continuity.
INSURANCE REFINANCE SOLUTION
We refinance our house and other debts, but often we overlook life insurance policies. Our life expectancy is increasing with each generation and our life insurance may be out-of-date. Products are constantly changing with innovative features, benefits, and increased flexibility in premiums.
2024 ESTATE PLANNING
With the expiration of the Tax Cuts and Jobs Act provisions looming at the end of 2025, it's essential to reassess your estate planning strategy. Consider making larger gifts to family members or charities before the federal estate tax exemption decreases from approximately $13.9 million per individual in 2025. Establishing irrevocable trusts like a Spousal Lifetime Access Trust (SLAT), can also help shelter assets from future estate taxes..
TAX ADVANTAGE PLANS
There are limited options for highly compensated executives and business owners. Most plans limit contributions and lack the flexibility needed to suit their objectives.
Income tax management is becoming the top priority for everyone, especially the highly compensated. A "High Income Roth" using life insurance may be an excellent solution.
INSURANCE FOR RISK MANAGEMENT
Life insurance can provide an excellent hedge against mortality risk. It can be the death of an owner or any person that is key to the economic success of the business. An unplanned death can become the cause of a business failing because of the lack of liquidity.
The art is in how it can be structured and designed to be the most economically efficient, and meet your objectives.
Contact Us
6905 South 1300 East Suite 318 Cottonwood Heights, Utah 84047
Office: 801-449-3060
Fax: 801-449-3070
