Who We Work For

In every engagement, our goal is the same, to simplify complexity, preserve capital and ensure
every decision serves a greater purpose.

1. HIGH NET WORTH INDIVIDUALS AND FAMILIES

Clients Who Think Beyond the Present

We serve clients who recognize that wealth is more than accumulation—it’s stewardship.
Our clients include:

• Individuals and families seeking a clear, coordinated strategy for wealth preservation
  and estate efficiency
• Those with existing life insurance portfolios who need independent review,
  performance evaluation, or redesign
• Philanthropic clients looking to integrate charitable giving into broader financial and
  legacy planning

2. FOREIGN NATIONALS

• Foreign nationals who require sophisticated cross-border life insurance solutions and
  tax-sensitive planning

Foreign nationals are often surprised to learn that the United States imposes estate taxes not only
on U.S. citizens and permanent residents, but also on non-resident individuals who own U.S.-
situs assets—including real estate, certain investments, and life insurance with U.S. ownership
structures. Even more striking is the allowable exemption: while U.S. citizens can pass more
than $13 million estate-tax-free in 2025, non-residents receive an exemption of just $60,000.
Without advance planning, this creates a disproportionate—and often unexpected—tax burden
that can erode global wealth, disrupt family plans, and force the liquidation of prized assets at
exactly the wrong time.

Thoughtfully designed estate tax strategies allow foreign nationals to control this exposure,
protect investments, and maintain privacy and flexibility across borders. Tools such as properly
structured ownership entities, trusts, cross-border life insurance planning, and coordinated legal
and tax guidance can dramatically reduce U.S. transfer-tax liability. The right plan ensures that
assets pass efficiently to heirs, business interests remain intact, and liquidity is available when it
is needed most—turning a complex web of U.S. tax rules into a predictable, well-managed
component of a global wealth strategy.

3. PROFESSIONAL PARTNERS

Attorneys, Accountants & Other Advisors

Advisors turn to Tax Efficient Solutions when the conversation moves beyond spreadsheets and
into strategy.
We collaborate on cases that require depth—integrating advanced life insurance design, estate
liquidity planning, charitable gifting structures, and wealth transfer techniques that preserve
value while minimizing tax exposure.

Our partnership approach means you retain control of your client relationship while benefiting
from our technical insight and implementation expertise.

Why professionals choose to work with us:

• Experience navigating complex, high-value estate and tax issues
• Deep understanding of advanced insurance and trust structures
• Collaborative process with transparent communication and shared goals

Together, we create outcomes that elevate your client relationships and reinforce your value as
their trusted advisor.