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
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.
A farm, for example, is like any other privately held business that is searching for practical and financial way to keep it in the family. As with most privately held businesses, farms and ranches have some children that are active in the business and others that are not. A succession plan can strategically provide a template to transition a business in the most tax efficient and financially prudent manner.
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 Our life expectancy is increasing with each generation and our life insurance may be out-of-date.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.
2021 ESTATE PLANNING
The estate tax laws and rates have never been more unpredictable than right now. Many plans will have you make irrevocable decisions that may not work over time. In some states the tax rates on capital gains may be similar to the current estate tax rates. Large gifts may not be as economical as they used to be with no increase in tax basis. Maybe your plan should include life insurance with flexible premiums and a predictable outcome.
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. 2020 saw sweeping changes to the code and potential tax rate changes under President Biden.
Income tax management is becoming the top priority for everyone but 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. An unplanned death can become the cause of a business failing because of the lack of liquidity. It can be the death of an owner or any person that is key to the economic success of the business.
The art is in how it can be structured and designed to be the most economically efficient, and meet your objectives.