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Why Fee-Only Doesn’t Mean Fiduciary
In order for fee-only advisors to truly be fiduciaries they need to utilize life insurance products that are in the best interests of the clients.
Investing in Life Settlements: Creating greater risk-adjusted returns and portfolio diversification through uncorrelated assets
Investing in uncorrelated assets like life settlements can provide greater portfolio diversification and returns than using low-yielding bonds in a rising interest rate environment.
Creating Tax-Efficient Investment and Estate Strategies for UHNW Clients through Private Placement Life Insurance (PPLI) in a Rising Interest Rate and High Tax Environment
RIAs can utilize PPLI to shelter otherwise tax-inefficient assets from income and estate taxation.
Utilizing IUL Policies to Increase After-Tax Portfolio Returns through Increased Equity Allocations while Minimizing Volatility
How IUL policies allow portfolios to increase after-tax returns through increasing the equity allocation of the portfolio while minimizing volatility.
Investing in Tax-Free Long Term Bonds without Interest Rate Risk Through Whole Life Insurance
Investing in tax-free long-term bonds with equity dividends and no interest rate risk through whole life insurance.
Investing in Tax-Deferred Long-Term Bonds without Interest Rate Risk through the Use of No-Commission Annuities
How RIAs can use no-commission annuities to invest in long-term bonds in a tax-deferred vehicle without interest rate risk
Improving Portfolio Diversification and After-Tax Returns in a Rising Interest Rate/High Tax Environment Through the Use of Life Insurance Solutions
An overview of why low bond yields and a rising interest rate pose problems for portfolio diversification and how RIAs can utilize life insurance to achieve greater after-tax diversification and returns.
Premium Minimization Services
One of the main concerns of life settlement investors is minimizing the premiums required to keep the policy in force. Colva is a specialist in utilizing actuarial principles to determine the minimum premium to keep a policy in force. Current industry practice...
Why the Traditional 60/40 Retirement Strategy Won’t Work in a Low Bond Yield Environment
Financial advisors need to implement better retirement strategies in a low-yield environment or risk losing HNW clients A large bond allocation has long been the staple diversification tool for RIAs trying to manage market risk in their equity portfolios—especially...
6 Financial Advising Strategies to Increase After-tax, After-advisory Fee Bond Returns for HNW Clients in a Low-yield Environment
I’ve been working with financial advisors a lot recently on how to implement better after-tax, after-advisory fee strategies for the bond portion of their portfolios for clients who are in high marginal tax brackets (doctors, lawyers, business-owners, etc). In a...
4 Financial Advising Strategies for High-earning Professionals to Increase After-tax Wealth
I’ve been working with financial advisors a lot recently on how to implement better after-tax strategies for their doctor, lawyer, and business owner clients who are in high marginal tax brackets. Such strategies are especially important for clients who are near...
Why Fee-only Fiduciary Financial Advisors Should Be Considering No-commission Fixed and Indexed Annuities for Conservative High Net Worth Clients Over Traditional Bond Investing
Bond investing in rising interest rate environments versus tax-deferred annuity growth With equity markets at all-time highs and in the face of increasing interest rates, the current economic environment makes providing financial advice for conservative investors a...