What Defines Us
Strategic Insight
We combine technical precision with creative thinking, developing tax-efficient strategies
tailored to each client’s goals and circumstances.
Collaborative Approach
We work seamlessly with your trusted advisors—attorneys, accountants, and family offices—to
ensure every component of your financial life aligns.
Discretion and Integrity
Our relationships are built on confidentiality, trust, and an unwavering commitment to doing
what’s best for the families we serve.
Meet Our Principals
Each member of our leadership team brings a distinct depth of experience—spanning financial
services, tax law, and advanced insurance planning. Together, we deliver the clarity, continuity,
and confidence that define Tax Efficient Solutions.
With over 45 years of experience, Michael Leibowitz’s entire professional life is dedicated to helping individuals and families create and preserve their wealth. Mike started in the life insurance industry in 1980 with New York Life. Through decades of growth, accomplishment and innovation in the life insurance and securities industry, Mike continually draws upon his front-line experience, management expertise, and the entrepreneurial drive.
Tax Efficient Solutions was created through an entire professional life dedicated to the life insurance industry and evolved into helping individuals and their families use life insurance to both create and preserve their wealth. Mike continues to work with clients, advisors, attorneys, and CPA’s to maximize the transfer of the client’s wealth both to themselves and their families while simultaneously limiting and minimizing tax liability. Mike created and assembled a team of knowledgeable and capable people to serve alongside him in a boutique agency group.
Michael has extensive understanding of advanced tax and estate planning techniques as well as sophisticated leveraging and wealth preservation strategies. He spends a substantial amount of time educating and partnering with banks and other professionals across the country to distribute his knowledge and solutions. His priority and focus is not only on helping the client keep more of their retirement wealth for themselves and donating less to the IRS, but he is also interested in reducing the client’s income, estate tax, as well as capital gains.
With over a decade of experience in financial services and a passion for driving transformative change, Christian is a seasoned professional dedicated to shaping the future of the financial landscape.
Having amassed a wealth of knowledge and multiple licenses in over 15 states, Christian’s passion lies in adding substantial value and providing education to those around him. At the core of his work is a focus on innovation and delivering cutting-edge solutions that help businesses recapture tax dollars, seeking to ensure their continued growth and success.
Throughout his career, Christian has built a reputation for his ability to simplify complex financial matters and deliver tailored strategies aiming to maximize returns and minimize risks. His strong analytical skills and a deep understanding of market dynamics have enabled him to identify untapped opportunities and provide strategic insights that drive sustainable growth.
To discover how his innovative financial concepts can be an invaluable resource for your business, call (954) 947-6231 or email CCalabro@iFinancialConcepts.com
Zachary Galicki is the Director of Business Development at Tax Efficient Solutions, where he works closely with business owners and high-net-worth individuals to design strategies that preserve wealth, minimize tax exposure, and create long-term financial clarity. With a background spanning financial services and real estate asset management, Zachary brings a practical, solutions-oriented approach to complex planning—helping clients navigate decisions that impact not just today’s bottom line, but future generations.
Before focusing on advanced tax strategies, Zachary built his career advising clients on risk management, investment planning, and wealth accumulation, while also managing real estate portfolios and overseeing financial performance at the asset level. That combination of advisory and hands-on operational experience gives him a unique perspective—he understands how financial decisions play out in real life, not just on paper. Whether working with a closely held business or a growing family, he is known for breaking down sophisticated strategies into clear, actionable plans.
Zachary’s approach is rooted in relationships, not transactions. He takes the time to understand each client’s goals, challenges, and personal story, ensuring that every strategy is tailored and intentional. As both a professional and a father, he appreciates the importance of protecting what matters most—helping clients build structures that support their businesses, their families, and the legacy they want to leave behind.
A Team Built for Your Vision
At Tax Efficient Solutions, we don’t just design plans—we build partnerships.
Our role is to listen, understand, and craft strategies that let your wealth do what it was meant to
do: protect, empower, and endure.
Your legacy deserves experience.
Let ours work for you.
Trusted by Advisors. Chosen by Clients.
At Tax Efficient Solutions, our relationships are built on collaboration and trust.
We serve as a resource for attorneys, accountants, and financial professionals who seek
sophisticated solutions for their clients—and for individuals and families who require clarity and
precision in their wealth, estate, and philanthropic planning.
(754) 200-1675
