Our Services
We help clients finance life-insurance premiums through tailored lending structures that protect cash flow and build generational wealth.
Premium Financing
We design custom, conservative, and sustainable financing structures that allow clients to borrow funds to pay life-insurance premiums, preserving liquidity and supporting long-term planning goals. Through our trusted network of lenders and top-rated carriers, we align each strategy with competitive terms and efficient outcomes.
Our designs may achieve the following results:
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Reducing client’s out-of-pocket expense
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Allowing clients to use their capital for other higher yielding opportunities
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A higher death benefit and IRR
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Lowering gift tax liabilities for estate cases
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Securing the “proper” amount of coverage for your planning
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Disclosure: Premium financing is designed for high-net-worth individuals and is subject to lender approval and underwriting. Terms may change, and results are not guaranteed. Life insurance should be purchased to meet a legitimate coverage need, not solely for financing purposes.
Refinancing
Given our breadth of experience in the premium finance market we can often times improve the terms of a client’s current lending arrangement. Even a small improvement in rates or terms can make a significant difference over the long-term.
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Our Refinancing Approach:
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We will run an analysis of existing funding arrangements versus our current lending platform
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If a refinance is desired, our team will handle all of the necessary paperwork
Policy Audits
Outdated policies can lose their competitive position and effectiveness as new more efficient products enter the market.
When we review existing life insurance policies we can:
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Identify policy deficiencies and recommend changes or reallocations
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Repurpose the existing policy without surrender to achieve portfolio goals
Alternative Investment Strategies
As the old adage goes, “it isn’t what you make, it’s what you keep”. Our Alternative Investment Strategies Platform is for accredited investors* only and is focused on two primary areas: current tax mitigation (keeping more of what you make) and increased capital appreciation.
Here are a few of the programs we utilize:
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Real Estate
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Oil and Gas
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Opportunity Zones
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Franchise Funding
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* An accredited investor is s a person with individual net worth, or joint net worth with their spouse or spousal equivalent, of more than $1,000,000 exclusive of the value of their primary residence, and/or a person with an individual income in excess of $200,000, or joint income with their spouse or spousal equivalent in excess of $300,000, in each of the 2 most recent years and has a reasonable expectation of reaching the same income level in the current year.
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Disclosure: Investments are speculative, involve high risk, and may be illiquid. There is no guarantee of return, and investors could lose all or part of their principal. These investments may not be suitable for all investors.
