We bring experience, strategies and resources to complex planning needs — working alongside CPAs, attorneys, financial advisors and other professionals already serving the client.
Complex client situations sometimes require specialized depth that doesn’t need to live in‑house. We can be brought in for a specific planning need, or work alongside the existing team as an ongoing specialized resource.
Advanced tax strategy, estate and legacy design, business succession and exit, executive and deferred compensation, captive structures, charitable planning, and complex insurance design.
A focused second opinion on a policy, agreement or planning strategy — before your client commits.
We work inside the team you have already built, on the planning your client needs next — for a single situation, or as an ongoing resource.
The client relationship remains with you.
Thirty minutes. Who we are, how we work with advisors, and whether it’s a fit. No referral expected.
Bring the situation, not the paperwork. We talk it through — and tell you honestly whether we add value.
We build the analysis and strategy alongside you. You remain at the center of the client relationship while we lead the specialized work as needed.
We help put the strategy into action, working with you and the rest of the planning team through to the details.
Our working library of advanced-planning strategies — 50+ and growing, with the fine print decoded one entry at a time. Browse it, borrow from it, or put an entry in front of a client with your name on the conversation.
Browse the library
I have worked with Josh on quite a few estate planning cases for my clients and to be honest he is more versed in estate, business transition, and gift planning strategies than many estate planning attorneys I have worked with. Yes, Josh sells insurance and in many cases, an insurance policy becomes a tool that his clients can use in their overall estate plan, but he does so much more than that for his clients, and the value is really in the overall strategy that he helps provide versus the actual insurance policy.Carli Ortiz, CPA, AEP®, PFS, CGMA · Partner, Linkenheimer CPAs and Advisors
Josh and Rick truly care about their clients. Their frequent interactions and attention to detail are invaluable in plans of all sizes, but they have particular expertise working with high-net-worth individuals. They have unparalleled expertise in sophisticated insurance planning, as well as discussing a client’s overall wealth planning picture. They stay current with changes to products and with possible changes to tax laws. You can trust Josh and Rick to provide your clients with comprehensive, understandable advice.Ron Wargo · Estate planning attorney and partner, Friedemann Goldberg Wargo Hess LLP
I am a trust and estates attorney in the greater Bay Area and I have worked with Josh and Rick for many years. They are experts in the area of providing strategic options and insurance planning for folks with large estates. They are not only specialists in utilizing life insurance as an effective estate planning tool but they are well versed in long-term care insurance and planning in order to ensure that their clients and their loved ones are well taken care of. Navigating the tax and estate arena can be very complex and these two know their craft. They are not only extremely knowledgeable and professional, but they are caring and kind to all of their clients. I would recommend them to anyone looking to plan for their estate, seeking additional insurance and long-term care planning.Erika Copenhaver, Esq. · Galan & Copenhaver, Inc., A Professional Law Corporation
As the Senior VP at Financial Independence Group, one of the largest independent long-term care groups in the US, I get to work with thousands of long-term care insurance agents. I think Josh is one of the top advisors I work with. Josh is able to address all the specifics and details around long-term care insurance products, but it is the planning that makes him one of the best. He always works from a holistic planning approach. Sure, he sells long-term care insurance, but you can see he is more about helping people find good emotional and financial answers to a scary problem.Alecia Barnette · Senior VP, Financial Independence Group
A thirty-minute introduction — or a client situation you’d like another set of eyes on. Send nothing ahead; if the planning moves forward, we’ll open a secure link.
Schedule a conversation