- Tax Deferral Solutions
- Bond Portfolio Optimization
- Estate Planning/Wealth Transfer
- Selling a Life Insurance Policy
- Investing in Life Settlements
For too long fiduciary RIAs 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.
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 RIAs protect their clients’ portfolios against downside risk and/or provide higher after-tax returns than their current solutions.
We’re their fiduciary actuarial and insurance partner
What we do
Our services our tailored to each individual RIA 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"
“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.”
Consolidated Wealth Management
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Life Insurance is an Important Part of a Client’s Financial Plan: But are they spending more than they need to?
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We are actuarial and insurance experts that structure low-cost/no-commission solutions to fit clients’ financial plans