Our analytical process can be especially valuable to advisors as they transition to independence or to a new firm. We find this is an ideal time to review:

• Are your clients’ risk management and insurance solutions suitable, now and in the future?
• What can be done for those with no personal risk management plan?
• Can your clients achieve a better outcome through newer low-cost, fee-based solutions?
• Can your new firm handle reporting, billing, and revenue logistics on existing insurance – and more importantly how does the change impact the client?
• Is there a way to confine the advisor’s scope of engagement on their client’s insurance to managing assets while engaging an insurance professional to be the insurance agent? 

Engagements often begin with an assessment of your client’s existing annuity and life insurance. Our team will conduct a deep dive assessment of current client policies using a scholastic approach to determine policy viability probability. We also examine policy imbedded fees, cost-of-insurance, cash value growth potential, allocation options, income and death benefit features. The result will determine whether clients should maintain their current solution or if they can achieve a better outcome by transitioning to lower cost or fee-based insurance solutions. Considering fiduciary and best-interest standards, we only make recommendations if there is a clear and distinct opportunity to better the client situation. 

Our experts can act as an extension of your team as you engage clients in conversations around advanced planning concepts. We provide you with education and recommendations around business owner strategies and complex estate strategies – regardless of whether an insurance solution is part of the strategy. Our strengths include:

• Life Insurance Plan Designs
  • Laddered insurance portfolios
  • Premium Financing
  • Private Loan Arrangements
  • Deferred Compensation/SERP Plans
  • Private Placement insurance 
• Business Owner Strategies:
  • Succession & exit planning
  • Executive retention & planning
  • QSBS- Qualified small business stock 
  • Defined benefit qualified plans
  • Nonqualified deferred compensation
  • Valuation services
• Estate and Trust Planning:
  • Reduce gift, estate, capital gains taxes during a client’s lifetime and at death
  • Comparing gifts, loans and sales transactions to transfer future appreciation 
  • Comparing and evaluating options between CRTs, deferred sales trusts, Delaware statutory trusts, 1031 exchanges, opportunity zone funds, installment sales, sales of assets vs. shares
• Tax Research and Planning: 
  • Tax efficient Investment management using institutionally priced products as wrappers around advisors existing custodian and asset management
  • Income tax planning on the sale of highly appreciated assets – how to save and defer income taxes and capture assets