The Enshield Plan ^SM.
Turn-key non-qualified, discriminatory, plan with no financial limits, leveraging the value of accounts receivables in C-corps and S-corps. Creditor protected plan that can fund business buy-out or deferred compensation. Business owners, professionals with average monthly A/Rs of $100,000.

419(A) Single Employer Plan.
Turn-key non-discriminatory individually-owned life insurance plan with no financial limits. C-corps, S-corps, partnerships, PCs, and LLCs with two or more stockholders. Premiums 100% deductible to business; 25% taxable to employee. Tax-fee accumulation outside plan; tax-free income for retirement or business buy-out.

412(i) Plan.
Fully insured, tax-deductible, non-discriminatory defined benefit plan for C-corps, S-corps, partnerships, PCs, LLCs, or Sole Proprietorships with five or fewer employees. May be combined with existing qualified plans, and funded for 5+ years.

Gemini Plan.
Co-owned (NOT split dollar) deferred compensation plan without the tax consequences of traditional deferred compensation programs. Over time employee assumes death benefit premiums. At end of employment employee owns total plan, with no further taxes due.

Funding the Bert and Ernie Trust (Build Up Equity Retirement Trust).
Irrevocable grantor trust for the benefit of spouse, child or significant other. Assets are exempt from gift tax and estate tax at death of both spouses. A "nest egg" is provided for the donee over which he/she has control. Creditor protection for both donor and donee. Trust may hold cash, cash equivalents, annuities, life insurance, limited partnership units, real estate, etc. Flexible, easy to create, and easy to administer. For individuals, business owners, professionals.

The ExTRA ^SM Plan.
Flexible, deductible, discriminatory, non-qualified defined benefit plan with no financial limits. Co-owned (NOT split dollar) life insurance plan for C-corps, S-corps, partnerships, PCs, LLCs, and Sole Proprietorships. Especially attractive for non-profits to recruit and retain key employees, and provide long-term funding for the organization.

Patented Life ^TM.
Flexible, deductible, discriminatory employee benefit plan that simultaneously meets the needs of the corporation and the key executive. Two policies on one insured. Funds executive bonus, key employee and restricted executive bonus plans.

Premium-financed Life Insurance.
Customizable programs for clients 35-85. Specialized premium financing for clients with a net worth of $1+ Million. Unique program for clients 70 - 80. Applications in the business, personal, and charitable markets.

Retirement Distribution Planning, including IRAs, §72(s), §72(t) and (q).
Stretch qualified or non-qualified assets over several generations using leading edge beneficiary forms to preserve the owner's intent. Choice of proposal systems, agent, and client support.

IRA and/or Qualified Plan Rescue.
Highly efficient transfer strategy using entity planning plus limited pay life insurance to achieve dramatic results. Target: $2+ Million asset.

Family Discount Life®.
Conservative award-winning estate planning technique to reposition unlimited qualified assets. Typical target: 55+.

Stock to Cash ^SM.
Be in and out of the stock market at the same time, with a non-callable, non-recourse loan. Create two sources of funds for liquidity and preservation, while minimizing potential income and estate taxes. Applications in the qualified, non-qualified, charitable, and business markets. Minimum value: $100,000 publicly-traded stocks.

Premium-financed Life Insurance.
Customizable programs for clients 35-85. Specialized premium financing for clients with a net worth of $1+ Million. Unique program for clients 70 - 80. Applications in the business, personal, and charitable markets.

Tax-Exempt Trusts.
Achieve significant tax deductions by repositioning highly appreciated assets, create an income stream, and fund a wealth replacement trust. Applications in the business, personal, and charitable markets.

Split Annuities.
Take advantage of tax deferral to fund for today's income needs, while planning for future income needs. Can use two or three annuities to create peace of mind and plan for future generations. Appropriate for qualified and non-qualified assets.

Annuity-to-Life.
70%+ of all annuity owners leave their annuities in tact as a death benefit for their heirs. Give heirs a larger, income tax-free legacy. Program designed especially for owners with contracts that require annuitization to access funds.

Entity Planning.
Some states provide excellent asset protection, privacy, and minimal taxation. Applications in the business and personal markets.