◆ Private Wealth Architecture · Est. Miami
We design institutional-grade insurance and liquidity strategies for the families, founders, and fiduciaries who think in decades — not quarters.
◆ 01 / The Practice
Most firms sell insurance. We architect it. Each engagement begins with a thesis — a quiet, deliberate study of the family balance sheet, the operating businesses, and the obligations that will outlive their founders.
We treat policies not as products, but as instruments of capital — engineered to enhance liquidity, defer taxation, and underwrite continuity.
Bespoke structures that convert illiquid balance-sheet wealth into accessible, tax-efficient capital — without disturbing the underlying estate.
Designed in collaboration with counsel and CPAs to preserve the integrity of generational planning across jurisdictions.
Risk transfer architected to insulate principal, protect legacy, and absorb the asymmetric shocks that define a single generation.
◆ 02 / The Difference
Every engagement is conducted under strict discretion. Compensation, carrier economics, and structural trade-offs are disclosed in full — never obscured.
We refuse the first acceptable answer. Underwriting is approached the way private equity approaches a deal: with skepticism, modeling, and a long horizon.
We sit alongside your counsel, CPA, and fiduciary — not in competition with them. Coordinated architecture produces coordinated outcomes.
◆ 03 / Whom We Serve
We work with a deliberately small number of households and institutions each year. Engagements are exclusive, confidential, and held to the same standard our clients apply to their own enterprises.
◆ 04 / Insurance as Architecture
The structures we design are not visible from the front of the house. They sit beneath the estate — load-bearing, intentional, invisible until they are needed. And then they are everything.
Discreet
Held in confidence; engagements by introduction.
Diligent
Modeled, stress-tested, peer-reviewed.
Coordinated
Sequenced alongside counsel and CPA.
Durable
Designed for generational time horizons.
◆ 05 / Capabilities
Private Placement Life Insurance
Premium Financed Structures
Buy-Sell & Key-Person Design
Charitable & Legacy Planning
Cross-Border Coordination
Disability & Concentrated Risk
Trust-Owned Policy Architecture
Liquidity Event Preparation
◆ 06 / Carrier Network
Every carrier in our roster is independently reviewed for financial strength, underwriting discipline, and long-horizon solvency.
And counting — A · A+ · A++ rated by AM Best
◆ 07 / Selected Engagements
Engagement details anonymized in service of client confidentiality. Full case discussions available under NDA.
Family Office
Case 01
A third-generation family with concentrated real estate holdings required liquidity to fund estate taxes — without forcing a distressed sale of crown-jewel assets.
Founder Liquidity
Case 02
Designed a coordinated PPLI and trust-owned architecture in advance of a strategic sale — preserving optionality and minimizing post-transaction friction.
Cross-Border
Case 03
Coordinated coverage across three jurisdictions for a family with operating businesses and residences spanning North and South America.
◆ 08 / Engage
Designed for families, founders, and advisors building beyond a single generation. A private consultation is the first step.
