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Liquidity. Leverage. Legacy.

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PROVEN ARCHITECTURES

Selected Case Studies in Estate & Liquidity Design

ESTATE PRESERVATION

$14M

Liquidity created for Federal Estate Taxes

The Real Estate Dynasty

THE CHALLENGE

Family with $85M in illiquid commercial holdings faced a massive tax bill upon the second death of the founders, risking a forced “fire sale” of prime assets.

THE SOLUTION

Implemented a $15M Survivorship Whole Life policy held within an Irrevocable Life Insurance Trust (ILIT), providing tax-free dollars to settle the IRS instantly.

SUCCESSION PLANNING

100%

Control maintained by active heirs

The Manufacturing Founder

THE CHALLENGE

An owner with three children—only one active in the business—needed to leave the company to the active heir while providing “equitable” value to the others.

THE SOLUTION

Utilized a $10M Whole Life policy to “equalize” the inheritance. The active child received the business; the other two received the liquid insurance proceeds.

PREMIUM FINANCING

Zero

Initial out-of-pocket capital outlay

The Tech Entrepreneur

THE CHALLENGE

A 45-year-old founder with high net worth but cash tied up in pre-IPO stock needed a high-limit policy without liquidating growing assets.

THE SOLUTION

Arranged a financed premium structure where a third-party lender covered the $500k annual premiums, using the policy and existing assets as collateral.

All cases are anonymized to protect client discretion.