Unified Advice
Problems we solve

Start with the problem. We’ll bring the strategy.

The situations we’re brought in for most often, and the specialized planning behind each one. Read the one that sounds like you, or scan for the strategies you already know.

For business owners

The risk is usually inside the company.

If you own a company, the biggest risks to your wealth are usually inside it: a partner, a key employee, a plan that was never funded. These are the situations business owners bring us most.

Buy‑sell funding · Cross‑purchase & entity redemption · ValuationThe buy‑sell agreement that wouldn’t actually workSigned years ago, priced on a number nobody has revisited, and never funded.Read the story
Key person coverage · Continuity planning · Lender requirementsLosing the person the business can’t run withoutThe rainmaker, the operations lead, the founder on the loan. Sometimes that person is you.Read the story
Executive bonus (§162) · Deferred compensation · SERPKeeping the people who matter, without giving away the companyA bigger competitor is reading their LinkedIn. Equity is one answer. It is rarely the best one.Read the story
Cash balance plans · Defined benefit · Qualified plan designRetirement plans beyond the 401(k)For owners who want to put away far more than the limits allow.Story coming
Succession · Tax‑efficient exit · Pre‑liquidity planningExiting the business with less taxThe sale is the biggest financial event of your life. Most of the planning has to happen before it.Story coming
For significant wealth and estates

When the assets are real, the questions change.

When the estate is large and the assets are real, the questions change: how it is taxed, what pays for care, and how it reaches the next generation intact.

Long‑term care planning · Hybrid coverage · Cost analysisYou don’t want your kids to become your caregiversMost people plan for the estate they will leave. Far fewer plan for the years of care that can come first.Read the story
ILIT · Estate tax planning · Gifting & generation‑skippingAn estate that owes tax it has no cash to payThe value is in the building, the company and the land. The tax is due in cash, nine months after death.Read the story
Premium financing · Collateral design · Trust‑owned coverageA large policy, without liquidating what you’ve builtFor a narrow group of people, the most expensive way to pay for coverage is with their own cash.Read the story
Policy analysis · Second opinion · In‑force illustrationThe policy nobody has looked at in ten yearsIt was sold to solve a problem you had then. Nobody has checked whether it still does.Story coming
Charitable remainder trust · Charitable lead trust · Wealth replacementGiving without disinheriting your heirsYou want to give. You also want your children to receive what you intended. Both are possible.Story coming
Equalization · Blended families · Family business successionTreating your heirs fairly when the assets can’t be splitOne child runs the company. The others do not. Fair and equal are not the same thing.Story coming
Every one of these

One process, whatever the problem.

Clarify the facts. Organize what is really there. Recommend with scenarios, so you see the impact of every choice. Execute with your CPA, your attorney and your other advisors building from the same plan.

Explore the CORE Process

How we help

It all begins with a conversation.

A short, private conversation to understand the whole picture — and whether our expertise can help.

Let’s talk

Advisor with a client in one of these situations? Schedule a collaboration.