Our Clients
Dedicated to the Architects of Legacy
We serve a sophisticated clientele whose financial lives often span multiple entities, jurisdictions, and generations. As a collaborative partner to clients’ advisor teams, we integrate life insurance as a strategic tool within the broader financial ecosystem.
Affluent Families
Helping to Preserve Wealth Across Generations
We specialize in designing structures that help mitigate estate tax exposure and facilitate a smooth transition of assets for families with significant estates. By coordinating closely with estate attorneys, we help ensure that insurance portfolios support clients' gifting, philanthropic, and legacy objectives.
Business Owners
Planning for Continuity & Succession
We assist business owners in navigating the critical intersection of personal wealth and business stability. Whether through continuation strategies or formal succession planning, we work with the advising team to help ensure closely held businesses remain resilient.
Private Investors
Sophisticated Wealth Structuring
For qualified investors seeking enhanced tax efficiency, we provide deep expertise in Private Placement Life Insurance (PPLI) for the integration of alternative investments within a tax-advantaged insurance structure. We collaborate with your advising team to analyze the suitability of these private structures within your overall portfolio.*
Corporate Executives
Enhancing Income and Retirement Protection
High-earning executives often face unique challenges regarding income gaps and contribution limits in traditional retirement plans. We design specialized income protection and supplemental retirement strategies tailored to the career trajectory of high-income professionals. By working with tax advisors, we help structure these benefits to help provide a robust foundation for post-corporate life.
*Private Placement Life Insurance (or Annuities) should only be presented to those that meet the definition of an accredited investor and qualified purchaser as described by the Securities Act of 1933. The risks of a PPLI policy in connection with the investment accounts include the risks of investing in the underlying securities selected by the investment accounts. When a policy owner invests in the investment accounts, the policy owner is assuming the entire risk of an investment in the underlying securities, including the risk of loss of the entire principal. There is no guaranteed minimum account value. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.
Fee Considerations: Insurance charges include mortality and expense charges, cost of insurance, depending on age, gender, health, etc., distribution charges, state premium tax charges, federal premium tax charges including any applicable federal DAC tax, policy loads and underwriting fees. In addition, there are investment management fees and other internal hedge fund costs associated with the policy. There may also be legal and/or advisory fees to establish the policy.
Delay in Payment of Death Benefit Risk: Payment of any amount of death benefit based upon an Investment Account may be delayed if any assets are subject to liquidity or withdrawal restrictions at the Investment Vehicle level.
Long-Term Investment Risk: The Policy is intended for investors who have sufficient liquid assets for living expenses and should be viewed as a last resort investment for liquidity purposes due to the underlying Investment Vehicle’s liquidity limitations within the Investment Account. This Policy should be viewed as a long-term investment. Early Withdrawals: Distributions from a PPVA account (and potentially PPLI contracts classified as modified endowment contracts or MECs) prior to age 59½ are subject to a 10% federal tax penalty on investment gains.
Strategies and investments mentioned herein may not be suitable for all investors. Private placements may only be presented to qualifying investors with whom a financial advisor has a pre-existing relationship. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.