We work closely with clients and their advisors on the effective use of life insurance in wealth transfer planning. When working with clients as life insurance consultants, we act as a resource to the rest of the advisor team, which typically consists of attorneys, accountants, financial advisors and other professionals. We maintain complete product objectivity without affiliation to any one carrier. As advisors, the needs of our clients are always first.

Services We Provide

• Insurance planning for efficient wealth transfer as well as asset protection
• Insurance plans for clients looking to use insurance as another asset class aimed at wealth accumulation
• Constant monitoring of client’s insurance portfolios to ensure they remain properly aligned with estate planning goals
• Monitoring of changes in the law, economic conditions and insurance markets to ensure each client’s insurance portfolio is optimally positioned
• Routine analysis of all major insurance carriers and their different products for clients
• “Crummey” notice administration
• Financial modeling to show clients objectively the impact of different estate planning techniques and products. These financial models include:
  • premium financing options
  • private placement products
  • split-dollar plans
  • gifting strategies
  • GRAT, Partnership and Defective Trust plans
• Policy Audits for trustees, insureds and professional advisors seeking comprehensive due diligence on insurance policies or portfolios