High Net-Worth Individuals & Families
CFG has been working with high net worth and ultra-high net worth families for almost 30 years to provide life insurance solutions that help them protect, preserve and pass wealth efficiently. Our approach goes well beyond mere product recommendations. We add value by working together with our clients existing advisors to offer solutions that consider our clients specific objectives, estate and tax planning, ownership, and funding. We find that by using a panoramic approach and by including our client’s attorneys, accountants and investment professionals in the process, we get to a better result that is tailored to their specific needs and objectives and coordinates well with their tax and estate planning.
Furthermore, the investment portfolio of most UHNW clients is comprised of complex assets, with varying risk profiles and liquidity. Often, a portion of those are assets are in alternative investments, such as Hedge Funds. While these types of investments can produce attractive returns, they are highly tax inefficient, creating short term capital gains and ordinary income. CFG is uniquely qualified in designing and implementing investment structures that either defer or eliminate those taxes all together. We are one of a handful of firms nationwide that has expertise in Private Placement Life Insurance (PPLI) and Annuities (PPVA) that are exclusively for Accredited Investors and Qualified Purchasers. PPLI & PPVA allows our clients advisor to allocate funds across an array of investment options, including unregistered funds, hedge funds, and other alternatives on a tax deferred or tax free basis. Other benefits include no annual K-1 tax documents, and in most states asset protection from creditors.
Contact CFG to find out more about Private Placement investing.