For business owners

The buy‑sell agreement that wouldn’t actually workBuy‑sell funding · Cross‑purchase & entity redemption · Valuation Losing the person the business can’t run withoutKey person coverage · Continuity planning · Lender requirements Keeping the people who matter, without giving away the companyExecutive bonus (§162) · Deferred compensation · SERP

Retirement plans beyond the 401(k)Cash balance plans · Defined benefit · Qualified plan design

Exiting the business with less taxSuccession · Tax‑efficient exit · Pre‑liquidity planning

For significant wealth and estates

You don’t want your kids to become your caregiversLong‑term care planning · Hybrid coverage · Cost analysis An estate that owes tax it has no cash to payILIT · Estate tax planning · Gifting & generation‑skipping A large policy, without liquidating what you’ve builtPremium financing · Collateral design · Trust‑owned coverage

The policy nobody has looked at in ten yearsPolicy analysis · Second opinion · In‑force illustration

Giving without disinheriting your heirsCharitable remainder trust · Charitable lead trust · Wealth replacement

Treating your heirs fairly when the assets can’t be splitEqualization · Blended families · Family business succession

Not sure where you fit?

A short, private conversation is the fastest way to find out.

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CORE Process For advisors Leadership Let’s talk

Who we serve

For significant wealth and complex decisions.

We work with individuals, families and business owners facing significant or complex wealth decisions — and with the professional advisors who serve them. Two kinds of relationships. One standard of expertise.

Private wealth

Individuals, families & business owners

For individuals, families and business owners with significant or complex wealth, we bring specialized expertise, strategies and resources to help grow, protect and transfer what you’ve built — with every decision considered in the context of your entire financial picture.

Business ownersPre- & post-exitLarge estatesMulti-generational familiesConcentrated wealth

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What the work is for

Grow. Protect. Transfer.

Three priorities that sit at the heart of nearly everything we do — supported by sophisticated strategies underneath.

Grow

Business value, wealth, tax efficiency, and the planning opportunities that come with them.

Protect

Family, business, income, estate, key people, and the risks sitting underneath all of it.

Transfer

Estate planning, succession, charitable giving, and wealth that reaches the next generation intact.

Professional partners

Advisors & professional partners

We frequently work alongside CPAs, estate-planning attorneys, financial advisors and other professionals serving clients with complex planning needs. We bring specialized planning expertise, strategies and resources alongside the work you already do. Your clients stay yours; they just get more.

CPAs & tax advisorsEstate-planning attorneysFinancial advisorsBusiness attorneysExit-planning professionalsOther professional advisors

Work with us

Is this a fit?

You're likely a fit if…

·Your wealth has become complex enough that major decisions can’t be made in isolation.

·Tax, estate, business, insurance and investment decisions increasingly affect one another.

·You own a business, or are preparing for or navigating an exit.

·You have significant wealth or a large estate and want to plan intentionally for the next generation.

·You value analysis, expertise and rigor before making major financial decisions.

·You want sophisticated strategies designed within the context of your entire financial picture.

In their words

“

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

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Ready when you are.

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

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