Private Placement Life Insurance (PPLI) and Private Placement Variable Annuity (PPVA) are wealth planning tools used by family offices and high-net-worth individuals to invest in a tax efficient manner and transfer wealth to future generations more effectively. PPLI and PPVA are institutionally-priced variable life insurance and annuity contracts that allow clients to invest on a long-term, income tax deferred and/or tax-eliminated basis. These structures can function as a tax-efficient “asset location” for clients who otherwise invest in tax-inefficient asset classes and strategies. Unlike traditional insurance contracts, contract fees and costs are fully-transparent and disclosed upfront. Further, the contract investment account is considered segregated from the general assets and liabilities of the carrier. ​ Schedule your strategy session here

Health insurance offers coverage for a wide range of medical needs, including doctor visits, hospital stays, prescription medications, preventive care, and specialized treatments. We help globally based people get premium health insurance. Get your quote here

Premium Financing is a unique financing solution that enables clients to purchase the life insurance needed without liquidating investments to pay high insurance premiums. Premiums for the insurance policy are paid by the lender, with the policy cash values pledged as collateral. The policy is designed to capitalize on the potential arbitrage between the financing rate and the cost of borrowing. This potentially allows for sufficient cash accumulation, so that eventually the loan can be repaid while keeping enough cash in the policy to keep the policy in-force for life.

Ransom kidnapping and extortion insurance is a specialized type of insurance designed to protect individuals and businesses from the financial risks associated with kidnapping, extortion, and related threats. It typically includes reimbursement for ransom payments, expenses incurred during a kidnapping event, and services provided by crisis management professionals to assist with negotiations and the safe resolution of the situation. ​ Learn more

Life insurance is a crucial financial tool that serves as a safety net, offering financial stability to cover immediate expenses, such as funeral costs and outstanding debts, while also replacing the income that the insured would have provided to their family.​ Life insurance is a great estate planning tool, allowing for the efficient transfer of assets to beneficiaries while minimizing potential tax liabilities. ​Learn more

Disability insurance is a crucial form of protection that focuses on protecting one's income in the event of a disabling injury or illness that prevents them from working. This insurance coverage provides a vital safety net, offering a portion of the insured person's income as a regular payment, allowing them to cover essential expenses such as mortgage payments, medical bills, and daily living costs. ​ Learn more

Long-term care insurance covers the costs associated with daily activities, such as bathing, dressing, and eating, due to chronic illnesses, disabilities, or cognitive impairments., including in-home care, assisted living facilities, or nursing homes. By investing in long-term care insurance, individuals can have peace of mind knowing that they will have access to quality care without depleting their savings or burdening their loved ones with the financial responsibility. ​ Learn more

Private placement variable annuities (PPVAs) are specialized investment vehicles frequently used by high-net-worth individuals, including professional athletes such as those in the WNBA, to achieve tax-efficient wealth accumulation. Unlike traditional retail annuities, PPVAs offer customized investment choices typically involving alternative assets like hedge funds, private equity, or real estate, providing greater diversification and growth potential. One of the primary benefits of PPVAs is the deferral—or potentially the complete avoidance—of income taxes on investment gains, enabling assets to compound more effectively over time. This structure appeals to WNBA athletes and other affluent investors seeking tailored, flexible solutions for estate planning, wealth transfer, and tax optimization within their financial portfolios. Speak with us

Variable annuities are a popular financial tool designed to help individuals grow their savings and secure their financial future, especially for long-term goals like retirement. They offer a unique combination of investment opportunities and insurance-like protections, making them a versatile option for many investors. ​​ How Do Variable Annuities Work? ​ At their core, variable annuities are contracts between you and an insurance company. You invest money into the annuity, and in return, the insurance company provides you with the opportunity to grow your savings through investment options. ​ Investment in Sub-Accounts: When you purchase a variable annuity, your money is invested in sub-accounts, which are similar to mutual funds. These sub-accounts are tied to the stock market, so your returns depend on the performance of the investments you choose. This means your money has the potential to grow significantly over time, but it also comes with market risk. ​ Tax-Deferred Growth: One of the biggest advantages of variable annuities is that your earnings grow tax-deferred. This means you don’t pay taxes on the gains until you withdraw the money, allowing your investment to grow faster over time. ​ Payout Phase: When you’re ready to start receiving income, typically during retirement, you can choose to receive regular payments from your annuity. These payments can last for a set number of years or for the rest of your life, depending on the options you select. Speak with us

A Multi-Year Guaranteed Annuity (MYGA) is a type of fixed annuity that provides a guaranteed interest rate for a specified period, typically ranging from 3 to 10 years. MYGAs function similarly to certificates of deposit (CDs) but are issued by insurance companies rather than banks. When you purchase a MYGA, you agree to leave your funds in the annuity for the duration of the term in exchange for a fixed interest rate that is guaranteed not to change during that period. This makes MYGAs a low-risk investment option, ideal for conservative investors seeking stable, predictable returns. One of the key advantages of MYGAs is tax-deferred growth, meaning you do not pay taxes on the interest earned until you withdraw the funds. This allows your investment to grow more efficiently over time, as the compounding effect is not reduced by annual taxes.

Indexed annuities, also known as Fixed Indexed Annuities (FIAs), are a unique financial product designed to help you grow your savings while protecting your money from market risks. They combine the safety of traditional fixed annuities with the growth potential of market-linked investments, making them a popular choice for retirement planning and long-term savings.