Our Services

For more than 40 years, we've delivered thousands of customized solutions. Each client has unique needs. Here are the most common challenges we address:

Estate Tax Liquidity

Business owners built significant wealth through your business, real estate, or investments. The goal is often to pass that wealth to the next generation without a 40-50% tax hit forcing asset sales or crippling the business. We design life insurance strategies that provide the cash to pay estate taxes for a fraction of the cost, protecting their legacy and business.

Premium Financing (Private Split Dollar)

When estate tax exposure is substantial but premium payments would strain cash flow; we structure agreements between family members that leverage favorable interest rates and gift tax treatment. This allows families to fund large policies without depleting liquid assets.

Third-Party Premium Financing

For the largest estate tax needs, we arrange institutional financing for life insurance premiums. We have established relationships with lenders, sample documentation, financial models, and market access to make these complex arrangements work.

Key Person Protection

The sudden loss of a key owner or executive can devastate a closely held business. We design insurance solutions that provide the cash to stabilize operations, buy out ownership interests, or recruit replacement talent without forcing the sale of business assets.

Executive Benefits

Attracting and retaining top talent requires more than a 401(k). We design executive benefit packages - including deferred compensation, supplemental retirement plans (SERPs), bonus arrangements, and equity alternatives - that help you compete for the people who drive your success.