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 client’s advisors to offer solutions that consider our client’s 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 are better able to provide life insurance solutions that align with existing estate, charitable, and income tax 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 experienced in designing and implementing investment structures that either defer or eliminate those taxes all together.  We are one of a limited number 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 and PPVA allow 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.

*PPLI and PPVA are exclusively available to Accredited Investors (net worth exceeding $1,000,000 or an annual income of over $200,000 for the last 2 years) and Qualified Purchasers (individuals with a minimum of $5,000,000 of investable assets).

Private Placement Life Insurance is an unregistered securities product and is not subject to the same regulatory requirements as registered variable products. As such, Private Placement Life Insurance (or Annuities) should only be presented to accredited investors or qualified purchasers as described by the Securities Act of 1933.