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
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
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 adminstration 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.
For high income earners, a 4.5% after-tax return can be equivalent to an 8%+ pre-tax return. Whole life insurance can provide this without the high investment risk that comes with investments that are expected to earn 8%+.
Protecting the client from an estate tax liability only to expose them to a larger tax-drag and income tax liability, can pose more harm than good.
Depreciation allows real estate investors to get a tax deduction every year. The downside with it is that they have to pay back the deductions they took when they sell the property—unless they utilize step-up in basis provisions.