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
Understanding PPLI Modified Endowment Contract Rules: Protecting Your Private Placement Life Insurance Investment
Learn how Modified Endowment Contract (MEC) rules can impact your Private Placement Life Insurance strategy. Discover essential compliance strategies, common pitfalls to avoid, and best practices for protecting the tax advantages of your PPLI policy while maintaining optimal wealth preservation benefits for high-net-worth families.
PPLI in Divorce Planning: Private Placement Life Insurance Considerations and Common Pitfalls
Divorce involving high-net-worth individuals becomes particularly challenging when Private Placement Life Insurance (PPLI) policies are part of the marital assets. Unlike traditional life insurance, PPLI policies contain alternative investments and unique structures that create valuation difficulties, tax complications, and ongoing obligations that must be carefully navigated. This guide explores the critical considerations and common pitfalls that can impact your financial future during divorce proceedings involving PPLI.
Setting Appropriate PPLI Death Benefit Levels: Balancing Cost and Benefit
Determining the right death benefit level for your Private Placement Life Insurance (PPLI) policy is one of the most critical decisions that will impact your policy’s performance, costs, and overall effectiveness. This comprehensive guide explores how to balance regulatory requirements, estate planning needs, family protection goals, and investment capacity optimization to find the optimal death benefit level for your unique circumstances.