Fiduciary Solutions for Fiduciary Advisors
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For too long fiduciary estate attorneys, CPAs, family offices, and financial advisors have had to settle with life insurance and annuity service providers with limited understanding of insurance who sold their clients poor products with hidden expenses that cost clients dearly.
But times have changed.
In the age of fee-compression, clients are demanding more comprehensive and fiduciary solutions from their advisors.
We utilize our life insurance, investment, and actuarial expertise to help advisors protect their clients’ portfolios against downside risk and provide higher after-tax, after-advisory fee returns than their current solutions.
We’re not just another insurance provider for UHNW clients and advisors; We’re their fiduciary actuarial and insurance partner
What We Do
UHNW Estate Planning
Cashing out a life insurance policy for a higher value
Private Placement Life Insurance
The ultimate planning estate and investment planning tool
Selling a Life Insurance Policy
Cashing out a life insurance policy for a higher value
Investing in Life Settlements
Uncorrelated 10%-14% net returns using specialized expertise
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
Investing in Tax-Deferred Long-Term Bonds without Interest Rate Risk through the Use of No-Commission Annuities
How RIAs can use no-commission annuities to invest in long-term bonds in a tax-deferred vehicle without interest rate risk
Multi-Year Guaranteed Annuities (MYGAs)
The Benefits of Multi-Year Guaranteed Annuities over Taxable Bonds and Bank CDs In a previous blog post, we talked about the downside of taxable bonds. Namely that they are tax-inefficient, subject to interest rate risk, and don’t always provide downside protection in...
Inheriting assets from elderly parents tax-free by using upstream gifting strategies
By using gifting strategies in place of contributing to a Roth IRA, high net worth clients can essentially replicate the benefits of a Roth IRA with larger contribution amounts and earlier withdrawal privileges.