Wealth, Estate, Life Insurance and Annuity Solutions ….without the bs
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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
Family Office Integration with PPLI Structures
PPLI integration offers family offices comprehensive wealth management solutions, combining tax-efficient life insurance with diverse investment opportunities, streamlined operations, and enhanced risk management. This strategic approach optimizes wealth preservation, succession planning, and long-term financial growth.
Maximizing Wealth with Private Placement Life Insurance: A Comparison to Taxable Accounts
When it comes to optimizing investment strategies, one of the most powerful vehicles that ultra-high-net-worth (UHNW) individuals often use is a Private Placement Life Insurance (PPLI) policy. While many investors are familiar with taxable accounts, the world of PPLI...
Using PPLI for Tax-Efficient Investment Portfolio Changes
Discover how Private Placement Life Insurance (PPLI) helps wealthy investors minimize taxes while maintaining investment flexibility. Learn how this strategy combines life insurance benefits with customizable investment options, requiring a minimum investment of $1-5 million for optimal tax-efficient wealth management.