The Ultimate Tax Elimination and Wealth Preservation Strategies
Exclusively for the Wealthy
EXTRAORDINARILY EFFECTIVE.
SUPRISINGLY SIMPLE.
INSPIRATIONALLY INFUSED.
OUR STORY OF INSPIRATION
How our strategies and our company came to be is not at all what you probably expect. I was not looking for loopholes in our tax laws. In fact, I did not set out to create a tax strategy at all. I had instead set out to devise a way to help community organizations in need of funds by providing them with free money. The idea was to take advantage of the historically low interest rate economic environment to generate profits from financial arbitrage transactions coupled with monetizing an overlooked asset - their employees. Where this idea led me was completely unintended and unexpected, but is extraordinary!
I devoted almost an entire year of my life creating a way to take advantage of the low interest rate environment to provide free life insurance benefits to community groups of employees, such as teachers and nurses. The basic premise was that money could be borrowed at historically low interest rates and invested in a manner which could reliably earn enough profits to make loan payments to payoff the debt over time and pay premiums on life insurance for the community organization's employees.
While the idea of funding the program with low-interest rate loan proceeds could work hypothetically, investment risk and collateralization issues posed real world roadblocks. After months of long days and nights of designing different ways to overcome these roadblocks, I finally figured out how to to turn the idea into a reality.
Being a tax lawyer, while I was developing this concept I recognized a unique and incredible opportunity for a tremendous tax strategy as a by-product of the concept. In fact, it is the tax strategy that is the key to making it work! If the program were instead funded with equity capital contributed by investors instead of with borrowed funds, the roadblocks disappeared.
That is when the tax strategy occurred to me. Why not have the program funded with equity capital from equity investors? The investors would have the unique opportunity to move their investment portfolio into a tax-free investment vehicle which would eliminate all income tax on their investment portfolio earnings. Their investment portfolio's earnings would be returned to them over time in a series of predictable tax-free death benefit payments. So their income taxes would not only be tax-deferred but would be completely eliminated. And they could access all of their cash and investment assets through tax-free policy loans.
This exact same strategy has been used for years to insure the lives of the investors themselves, but never before have the lives of a group of unrelated people been able to be insured. Our unique and innovative design not only allows it, but it delivers the desired tax elimination more cost effectively and without all of the many restrictive limitations of single life policies. AND, it provides needed funding to community groups. It truly is a win-win!
The core concept of our income tax strategies was born. We developed highly-customized, investor-optimized life insurance products that minimize costs, maximize investment ROI, offer complete investment choice freedom and provide a host of other unprecedented benefits to deliver the ultimate income tax elimination solution.
