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
The PPLI Investment Policy Statement: Creating an Effective Framework
Discover how to create an effective Investment Policy Statement for your Private Placement Life Insurance policy. This comprehensive guide explores essential components including regulatory compliance, risk management, asset allocation strategies, and governance frameworks specifically tailored for PPLI policies. Learn how to balance tax optimization, liquidity needs, and long-term growth objectives while maintaining the structural integrity of your insurance arrangement.
Family Governance and PPLI: Integrating Policies into Multi-Generational Planning
Discover how Private Placement Life Insurance (PPLI) integrates with family governance structures to provide tax-efficient wealth transfer, investment flexibility, and asset protection for multi-generational planning while preserving family values and unity.
PPLI and Asset Protection: Understanding the Protective Boundaries
Introduction to PPLI Asset Protection Private Placement Life Insurance (PPLI) has emerged as a valuable strategy for individuals seeking both wealth preservation and asset protection. As financial markets fluctuate and liability concerns grow, PPLI offers a unique...