How We Collaborate

Your Client is Your Client

For the clients you introduce, we view you as our primary partner. Our process is designed to enhance your relationship with your client.

• No Handoffs: We do not work in a silo. We expect you to remain involved throughout the process, as this continuity demonstrates to the client that their trusted team is aligned.
• Advisor First: We present our initial Insurance Options to you first. We make revisions until you are satisfied that the insurance strategy aligns perfectly with your tax or investment plan.
• The Meeting: You host the client meeting. We attend as your technical specialist to explain the design, answer actuarial questions, and ensure the client feels confident in your holistic plan.

Specialized Focus

We specialize in tax-optimized life and health insurance. We do not manage AUM. We do not prepare tax returns. We do not draft wills.

• Our Goal: To protect, grow, and transfer your client’s after-tax wealth.
• Our Role: We design, explain, and implement the insurance component of your client’s financial plan, ensuring it is actuarially sound and tax-compliant.

When you introduce a client to Taxevity, we learn how to integrate into your workflow. The typical process is:

1. Feasibility: We review your client’s situation through a universal stress test with four gates, respecting the broader strategy you have in place.
2. Design: We present Insurance Options that meet your standards before your client sees them.
3. Implementation: We handle the application, insurer requests and delivery, keeping you updated throughout the process. (Note: To protect client privacy, we are limited in the specific medical details we can share).
4. Stewardship: We provide you with a policy summary so your file is complete.

To see the compliance and transparency standards we present to your clients, you can review How We Operate.

We understand that introducing a new specialist involves building trust and familiarity. We help you evaluate our work in two ways:

A. Reactive: Proposal Review

If your client has received an insurance proposal elsewhere, you can anonymize it and send it to us.

• Review: We analyze the proposal for actuarial soundness, checking assumptions, choice of insurer, sensitivity to changes, omissions, and downplayed risks.
• Options: Where there are material shortcomings, we will show you how we would structure the solution differently for Protection, Growth, or Impact.

B. Proactive: Opportunity Scan

We help you identify opportunities your client may not know exist.

• Corporate Surplus: Extracting trapped retained earnings tax-efficiently.
• Estate Liquidity: Funding capital gains tax liabilities (deemed disposition) on death.
• IFA Strategy: Identifying Immediate Financing Arrangement possibilities where insurance facilitates an investment strategy without disrupting cash flow.

We help you grow your practice.

We actively introduce our direct clients to pre-screened professionals in our network when they require specific tax or legal expertise to execute their Protection, Growth, and Impact goals.

We also introduce advisors in different niches to each other. This enhances the professional networks of both parties.

To maintain objectivity, we do not accept referral fees from other professionals. Our recommendations for legal or accounting partners are based solely on competence and client fit.