A New Wealth Management Dimension

The Leveraged ExecutiveLoan ᵀᴹ Program

An answer to the devastating Deferred Compensation Tax changes

Our Program provides financial advisors a centralized source for the design of a specialized fringe benefit using an elite portfolio of quality life insurance companies on a turnkey basis. The Program involves a series of structured employer-sponsored loans to a valued executive. The executive then purchases tax-advantaged, equity build-up life insurance in order to pursue the achievement of an assortment of financial objectives:

*Life insurance protection
*Income tax planning

*Tax deferred growth
*Investment diversification

*Enhanced retirement income
*Asset protection

Employer objectives can include:

*Enhanced executive retention
*Buy-out plan funding

*Tax bracket leverage
*Payroll expense reduction

*Increased employee morale
*Income tax reduction

A Sample Case

$50,000/year over 5 years

Key Features

Provides asset protection.
Diverts assets and income to others.
Provides tax deferred growth.
Increases tax advantaged retirement income.

Minimizes federal estate taxation.
Provides effective estate planning coordination.
Reduces capital gains taxation.
Provides a diversified investment portfolio.

(1)Assumes Applicable Federal Term Rates as of April 2013

Long-Term: 2.7%

(more than 9 years)

Mid-Term: 1.09%

(over 3 years but not more then 9 years)

Short-Term: .22%

(less then 3 years)

(1)   Should interest rates begin to rise, Jim and his Company can re-structure the Notes into a “Long-Term Notes” using the applicable federal long-term rate published by the IRS  for the month in which the new “Notes” are entered into.