Wealth, Estate, Life Insurance and Annuity Solutions ….without the bs
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Life insurance and annuity solutions offered by experienced life insurance brokers and financial solution providers are the best tools for HNW clients to create greater risk-adjusted after-tax returns and reduce volatility and downside risks in their portfolio.
So why don’t more clients and advisors use it?
That’s because many clients have been burned in the past from using expensive products sold by high-commissioned agents.
And advisors often have a conflict of interest against using these products and just don’t understand how they work.
As your dedicated insurance consultant, we utilize our life insurance, investment, estate planning, and actuarial expertise to help advisors protect their clients’ portfolios against taxation, downside risk and provide higher after-tax, after-advisory fee returns than their current solutions.
We’re not just another life insurance broker or financial solution provider for UHNW clients and advisors; We’re their actuarial and insurance partner
Here are some of the key areas we can add value to your financial, investment and estate planning:.
- Reduce the after-tax, after-fee return AND volatility of your existing investment strategies
- Explain the value of utilizing tax-advantaged estate and downside protection structures
- Understand what type of assets to keep in your estate vs move out of your estate
- Understand how to maximize the use of GRATs
What We Do
UHNW Estate Planning
Strategic estate planning solutions to help UHNW clients maximize the after-tax value of their assets
Private Placement Life Insurance
Helping UHNW clients move assets into tax-free vehicles through PPLI
Whole Life Insurance
Earn 4% to 4.5% tax-free over the long-term with whole life insurance
Guaranteed Lifetime Income
Locking in high interest rates for life. Can get payout rates as high as 10%-13% on initial investment
Life Insurance Policy Review
Improving the performance of your policy with the right expertise
Life Settlement Valuation
Improving life settlement returns through in-depth analysis
Fund and Accounting Administration
Colva can handle all the back-office fund administration for your fund
Selling a Policy
The service that earns you 95% or more of your life Insurance policy’s market value
Our services our tailored to each individual client and advisor that we work with. Get in touch to learn how you can make better financial decisions for your clients while earning more for yourself.
Blog
PPLI and Retirement Income Sequencing: Optimizing Withdrawals for Tax-Efficient Retirement
Discover how Private Placement Life Insurance (PPLI) can transform your retirement withdrawal strategy. Learn how this tax-advantaged vehicle helps high-net-worth investors optimize retirement income sequencing across different retirement phases. By strategically incorporating PPLI into your withdrawal planning, you could save hundreds of thousands in lifetime taxes while maintaining greater control over your tax brackets and preserving wealth for both income needs and legacy goals.
Using PPLI in Pre-IPO Planning: Strategies for Founders and Early Employees
PPLI offers pre-IPO founders and early employees a tax-advantaged structure for wealth preservation when implemented before liquidity events. Learn how this overlooked strategy can enhance long-term outcomes through tax-efficient growth, diversification, and wealth transfer mechanisms.
PPLI Myths vs Reality: Separating Fact from Fiction
Discover the truth behind Private Placement Life Insurance (PPLI) as we debunk common misconceptions. Learn how this legitimate wealth management tool offers tax efficiency and investment flexibility for qualified investors beyond just the ultra-wealthy.