Our Products

1. Equity Access is a unique financial platform designed to address the major issues successful business owners may face is succession planning for their business. It addresses the tax erosion which is inherent in using after tax dollars to acquire a business as well as the erosion due to taxes faced by the seller. Furthermore it provides a mechanism for financing ownership transition so that the business does not face sudden and severe financial impact in the wake of a partner/owner's departure. Equity Access can be considered as a non-qualified alternative to complex and highly regulated ESOP qualified plans and can be described as an efficient leveraged internal buy-out for family businesses and smaller / middle market size, closely held pass through entities.
2. LIFE X is a proprietary retirement program using unique insurance structures created by some of the largest insurance companies. It is a retirement planning tool for High Net Worth individuals looking for an income stream substantially greater than what may be achieved through traditional retirement plans. It provides: 

• Tax Free Retirement Distributions (like a Roth IRA)
• Leverage to magnify net retirement benefits by 2X-4X that of traditional retirement plans for each dollar contributed.
• Statutory protection from creditors in many jurisdictions.
• Estate planning benefits

3. Legacy Split Dollar is a planning platform that has emerged as a result of the 2003 IRS regulations which can provide valuable planning options for funding life insurance premiums for estate and business purposes. Our financial engineering and collaboration with industry leading tax and legal firms has evolved into a powerful legacy planning process for business and personal succession planning. If your personal net worth is over the $22MM estate exemption then these products are for you and we would work together with your financial advisor to achieve the best
4. PILAR (Personally Insured Life and Retirement Program) is a contemporary approach to providing executive retirement and death benefits using pre-tax corporate/partnership dollars. It provides a flexible, simple and tax efficient plan for business owners to reward select key employees—including themselves. It may be an alternative or supplement to traditional qualified plans that may be complex and restrictive.
   
   PILAR provides tax free income at retirement, unlike traditional qualified plans, and insulates high income earners from the adverse impact of high taxes on retirement distributions which may reduce the net amount available at retirement.