Personal Planning

We work with our clients to help maximize assets for the next generation and provide gifts to charity through widely accepted planning techniques utilizing life insurance.  Without careful preparation,  taxes can deplete assets. This erosion of wealth can be compounded if there is a lack of liquidity.  Life insurance can provide timely funding at a discount to preserve wealth. It can also provide asset preservation along with valuable tax-deferred cash value growth, which may be leveraged for retirement dollars in the future.


By utilizing different planning techniques and premium funding strategies, we can design an efficient life insurance plan that meets your personal planning objectives. We tailor life insurance strategies to suit specific needs. What we recommend depends on your planning situation and what you want to achieve.

Some examples of our approaches to funding large life insurance premiums for wealth transfer planning include:   

  • Premium Financing
  • Generational Split Dollar
  • Intentionally Defective Grantor Trust