Notes, case studies, and the monthly letter.
Short, in-house writing on estate planning, premium financing, and the advanced-market work we do behind the advisors who refer us. We publish when we have something worth saying — usually once a month.
This month's read
case-study cover
A four-year unwind of $32M in premium financing.
A family office walked in with a financed portfolio that no longer fit the balance sheet. Here is how we exited it — carrier by carrier, loan by loan — without triggering the tax bill everyone assumed was unavoidable.
The journal
Case studies, planning notes, and second opinions for advisors and the families they serve.
When PPLI is the wrong answer — and what to do instead.
Private placement life insurance solves a specific problem. When the problem is something else, it quietly becomes the most expensive way to be wrong.
Co-trustees and the second-opinion problem.
When two fiduciaries disagree on a financed policy, the client pays for the standoff. A short framework for getting to a written answer.
Structuring a 1031 / DST stack for concentrated industrial real estate.
A $48M warehouse position, one owner, and a deadline. How the exchange and the insurance wrapper were sequenced to survive review.
Reading an ILIT amendment without rewriting it.
Most ILITs do not need to be replaced — they need to be read correctly. The three clauses that change the whole analysis.
Three line items every estate plan miscounts.
State estate tax, illiquidity at death, and the cost of the wait. The quiet numbers that move a plan from adequate to wrong.
What a carrier really means by "informal application."
An informal app is a negotiating position, not a formality. How to use it to protect a hard-to-place client before anything is on the record.
The monthly letter
Every issue we have sent, kept on the record. Read any of them in your browser.
One letter a month. Worth the open.
Plain writing on the cases we are seeing, the rules that changed, and the planning that is quietly going wrong elsewhere. No schedule-padding, no sales sequences — we send when we have something to say.
For advisor and professional education. We do not share or sell your address. Privacy · unsubscribe anytime.
We design solutions.
We empower them.
We focus on outcomes.