For too long high net worth (HNW) clients and their 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.
Anyone who has purchased a home is familiar with the concept of leverage. Most people when they purchase a home use 20% of their own money and borrow 80% from the bank. If the amount of appreciation on the home is more than the cost of the loan (and other costs of...
Increasing After-Tax, After-Advisory Fee Retirement Income for Ultra High Net Worth Clients: The private placement life insurance solution many fee-only RIAs and family offices are neglecting
By placing tax-inefficient investments within a tax-free wrapper like PPLI and taking their money out via tax-free loans, UHNW clients can improve after-tax returns by 250 basis points or more over the long-term compared to investing those assets within a taxable...
The traditional asset allocation glidepath involves shifting client assets away from stocks towards bonds as they near retirement. The idea behind this is that doing so reduces volatility in the portfolio and helps protect against sequence of return risk—thereby...