I help top 5% earners, such as business owners, executives and professionals, utilize leverage to build more wealth than they could on their own and preserve retirement lifestyle, through a proprietary financial platform that's fully funded in 5-years. CFS has worked with wealth advisers, law firms, CPA firms and family offices to enhance the advisory services they offer their clients. We implemen
t and service a proprietary, best-in-class, best practices, and industry acknowledged premium finance platform, utilized since 2000. Our team provides a range of stress-tested, financed insurance solutions for various market niches, including: Key-employees earning $200K+, High net worth families with estates of $20M+, and Ultra-High net worth families with estates of $40M+. CFS provides life insurance procurement solutions, integrated with tax-saving structures, asset protection trusts, liquidity planning, supplemental key-employee financial plans, and charitable and family foundation planning. CFS programs utilize smart leverage to rapidly build cash value without investment market risk, save taxes and protect against tax increases, and minimize implementation costs by 75% - 95%, depending on the programs used. In addition, we understand the problem of a broken retirement system. today the more you earn, the harder it is to retire with your lifestyle intact into the retirement abyss. That is why the #1 fear among people in their forties earning $250K+ is losing the ability to retire living at their current standard of living. Life gets very busy (and expensive) for a top 5% earner's lifestyle. Private schools, vacations, nice cars, second homes, and college tuitions, all have high costs. That's why top-5% earners only save 9% of their gross income, instead of the 33% needed from age 45 to 65, to reach this lifestyle goal. For this same reason it's hard for businesses to attract and retain top talent. Competing for top talent requires a differentiated benefit. Losing a key-employee costs on average $240K and two years to train a replacement. Today our proprietary programs account for $5.5 Billion in self-liquidating loan facilities which fund thousands of permanent life insurance policies laden with cash value; without exposure to market risk or taxation. CFS has worked with clients nationwide, delivering solutions in estate planning, business succession planning, executive benefits, family foundation replenishment, and multi-generational wealth preservation. Reduce or eliminate estate tax with the high probability of no out-of-pocket cost through innovative financed insurance for High net worth families.
2. Enhance philanthropy and endowment with no out-of-pocket cost.
3. Provide businesses with an effective program to attract and retain key employees.
4. Offer C-Corps and Non-Profits a program to attract and retain key employees while simultaneously building the balance sheet.
5. Replenish depleted family trusts and foundations with the high probability of no out-of-pocket cost through innovative financed insurance.
6. Receive annual reporting supported by a back-office staff of 25.
