Yes, and it's been settled tax law for decades. Section 7702 of the Internal Revenue Code governs how life insurance contracts are taxed. Because a properly structured policy meets IRS definitions of life insurance, the cash value grows tax-deferred and policy loans come out tax-free, they're treated as loans, not income. This treatment has been in place since 1988 and has survived multiple tax reform cycles unchanged.

Most clients come to us with existing plans in place, we don't replace them, we build around them. The issue isn't what you have, it's what's leaking. We typically identify $75K–$150K in annual losses through tax drag, missed depreciation, and underutilized structures your current advisor isn't using. Our strategies layer on top of what's already working and fill the gaps that aren't.

Our strategies are built specifically for earners at $300K and above. Below that threshold, the setup costs, minimum investment requirements, and complexity of institutional structures don't produce a return worth the effort. At $300K+, the tax exposure is significant enough that the savings alone typically justify everything within the first year.

Most CPAs focus on accurate filing and compliance and that work is essential. What we do sits on the other side of that equation. We handle the proactive strategy decisions made before tax year-end: depreciation structures, IUL planning, institutional real estate offsets, and legal elimination opportunities that determine what your CPA has to work with when they file. We don't replace your CPA we give them better numbers to work from.

It's a 15–20 minute confidential analysis, not a sales call. We look at your current tax situation, retirement trajectory, and risk exposure, then map out a step-by-step implementation blueprint specific to your numbers. Advisors charge $2,000 for this level of analysis. We offer it free, by application only, to make sure it's the right fit before either side commits.