Wealth, Estate, Life Insurance and Annuity Solutions ….without the bs
FEATURED IN:
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.
“I’ve been working with Rajiv and Colva for years. They’ve helped me evaluate hundreds of policies over that time and have helped save my investors millions of dollars in unnecessary premium payments. It’s been exciting to watch their team expand into so many different areas. I’m excited to see what the future holds for them”
Bryan Cooper
LaneGate Advisors
“Colva has been a great pleasure to work with. Collectively our clients have saved hundreds of thousands of dollars in unnecessary premium payments as a result of Colva’s actuarial expertise in how to minimize premium payments on complicated life insurance policies.”
John Spalding
Consolidated Wealth Management
Blog
PPLI and Generation-Skipping Transfer Tax Planning
Private Placement Life Insurance (PPLI) offers a strategic solution for families looking to optimize their generation-skipping transfer tax (GSTT) planning. By integrating PPLI with tools like dynasty trusts, families can achieve tax-efficient wealth transfer, preserve assets across generations, and align investment strategies with long-term goals. Explore how PPLI can enhance your estate planning with tax benefits, flexible investments, and multigenerational legacy-building potential.
Using PPLI for Tax-Efficient Investment Portfolio Restructuring
Discover how Private Placement Life Insurance (PPLI) can transform your investment strategy. Learn how this sophisticated wealth management tool offers high-net-worth investors tax-efficient portfolio growth, flexible investment options, and powerful estate planning benefits—all while maintaining investment control. Perfect for those seeking to optimize their long-term wealth preservation and growth strategies.
Investment Guidelines for PPLI: A Strategic Framework
Private Placement Life Insurance (PPLI) investment guidelines serve as a critical framework for managing wealth while maintaining regulatory compliance. These guidelines encompass essential elements including asset class specifications, risk management protocols, compliance monitoring, and investment manager selection criteria. Successful PPLI management requires careful attention to liquidity requirements, tax efficiency considerations, and documentation standards. The guidelines must balance investment flexibility with regulatory requirements, particularly focusing on diversification under Internal Revenue Code Section 817(h). Regular reviews and updates ensure ongoing effectiveness and compliance with evolving regulations. By establishing comprehensive guidelines that address performance measurement, risk management, and implementation procedures, PPLI policies can better achieve their intended objectives while maintaining their tax-advantaged status. The success of these sophisticated wealth planning tools largely depends on the quality and thoroughness of their investment guidelines.