Our Practice

What Guardians Do Differently

The tapestry of exceptional guardianship is woven through our commitments, differentiators, process, and affiliations. We leverage these powerful elements to deliver sophisticated solutions to clients.

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Our Commitments

Customized, innovative wealth transfer strategies designed for significant impact.

Comprehensive protection and optimized financial outcomes through tailored life insurance and advanced planning solutions.

We follow a fiduciary standard throughout the financial planning engagement. As such, we will place your interests ahead of our own.

Expertise: Our high-caliber team provides deep specialization in life insurance-based wealth transfer planning.

Clarity: Complex planning made simple and transparent.

Legacy: Ensuring your wealth and values seamlessly pass to future generations, maintaining your vision and intent.

Why Phylax Legacy Advisors

Our Process

We take a unified approach to designing, implementing, and managing your custom insurance portfolio.

Policy Design

Policy Design

Successful design depends on the careful calibration of several factors:

Carrier Selection: Evaluating the historical performance and financial strength of insurance providers.

Funding Strategy: Determining the optimal duration and method of premium payments.

Integration: Coordinating with your legal and tax advisors to ensure the policy fits within your broader estate plan.

Underwriting

We leverage our deep understanding of how carriers evaluate risk to:

Clarify Medical Detail: We work to resolve ambiguities in medical records before they reach the carrier.

Coordinate Multi-Carrier Inquiries: For large cases, we manage informal inquiries to multiple carriers to identify the most favorable environment for your specific profile.

Humanize the Data: We provide the “big picture” context of your health and lifestyle, aiming to secure an underwriting classification that accurately reflects your risk and helps manage your long-term cost of insurance.

Policy Management

Policy Management

Through objective reviews scheduled at your desired frequency, we help you:

Evaluate Performance: Compare actual policy values against original illustrations to identify and address underperformance early.

Manage Risk: Reduce the likelihood of policy lapse by confirming premium payments and evaluating funding adequacy.

Identify Opportunities: Advise you on new policy features or market developments that may enhance your existing coverage.

Our Strategic Affiliations

Expanded Resources. Deep Insight. Better Outcomes.

Phylax Legacy Advisors is an independently managed practice of Greenberg & Rapp Financial Group. Through this partnership, we gain access to proprietary products, national infrastructure and resources, and expanded operational support.

We align with Raymond James Financial Services (RJFS) as our broker/dealer. This affiliation provides us with expertise and resources for market-linked products, access to broad institutional research and commentary, and state-of-the-art technology and custodial services.

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. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. 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.