Ultra-High Net Worth and Family Office
clients, while at the same time
differentiating their practice from the
competition?
Optimizing After-Tax Outcomes Using PPLI
and PPVA provides an insider’s look into
the nascent and growing marketplace that is
private placement insurance and annuity
products.
Optimizing After-Tax
Outcomes Using PPLI and
PPVA
Tax efficiency. Asset protection. Estate and
transfer tax mitigation and/or elimination.
The marketplace for PPLI and PPVA
products has decades of history behind it,
however these solutions remain a relatively
under-utilized tool amongst many UltraHigh Net Worth clients, Family Offices, and
their Advisors.
In today’s every changing world, high
income-earning clients as well as others of
significant wealth are limited in their ability
to participate in qualified and other taxadvantaged planning strategies.
This takes on added significance in a world
where many states continue to raise income
tax rates, and uncertainty regarding future
Federal income and estate tax thresholds
continues to cloud clients’ and their
advisors’ investment decisions.
Further, recent efforts by the Department of
Labor have made clear that the advisor of
tomorrow will be held to a heightened
standard as it relates to client suitability.
How can these solutions be utilized to
benefit high income earning and other ultra
wealthy clients?
In addition, how can advisors utilize these
solutions as an additional “arrow in their
quiver” to expand their influence within the
Learn about the history of this corner of the
life insurance and annuities marketplace.
Review the statutory underpinnings for
these products. Explore the current product
marketplace, as well as recent developments
that have helped to make this a much more
client and advisor-friendly product.
Whether you are a fiduciary, financial
advisor, asset manager, CPA, attorney, or
insurance professional, the presenters
deconstruct several commonly-held myths
associated with these products, and also
outline how you play a pivotal role in its
implementation for the client.
Explore how you can use these solutions to
differentiate your practice from your peers,
as well as potentially develop a new long
term, recurring source of revenue for your
firm’s bottom line.
In addition, the presenters walk through
several real-world case studies that
demonstrate how PPLI and PPVA can be
utilized to generate better after-tax
outcomes for a wide variety of clients and
client types.
Agenda for Optimizing After-Tax Outcomes
Using PPLI and PPVA includes:
❖
❖
❖
❖
❖
❖
❖
❖
Overview of the fiduciary standard
Brief history of marketplace
Statutory guidelines
Marketplace overview
Investment flexibility
Applications with clients
PPLI/PPVA Case Studies
Key Takeaways/Action Steps
Rick Roche, CAIA
Rick Roche is a Managing Director at Little
Harbor Advisors, LLC. Little Harbor
Advisors (LHA) is a sponsor of quantitative
investment strategies. Rick has 39 years’
experience in investment management and
is a committed lifelong learner.
Rick is also founder of Roche Invest AI,
LLC. Roche Invest AI is a consultancy that
specializes in research, integration and
promotion of AI, Machine Learning and
utilization of alternative investment data in
the investment management industry.
From 4Q 2017 thru 3Q 2020, Rick was the
featured speaker at 65 FPA Association
(CFP) chapters, CAIA chapters or CFA
Society events.
He holds Series 3 (Commodities), 7, 63 and
65 licenses. Rick earned his Chartered
Alternative Investment Analyst (CAIA)
charter designation in 2014.
Rick is a Member of the New York
Alternative Investment RoundTable (NYAIR) and a Professional Member of CFASociety of New York (CFANY). He earned a
B.A.-History from the University of Dayton.
From 1977 to 1980, Rick served two terms
in the Massachusetts Legislature
representing Springfield, MA.
David C. Reynolds, CFP®
David Reynolds is Director, Business
Development for Spearhead, a financial
services firm based out of Wellington, FL.
In addition to supporting the firm’s more
broad business development initiatives, he
focuses on working with private clients, as
well as 3rd party wealth management firms,
asset managers, insurance professionals,
and other private client advisors regarding
the structuring and implementation of PPLI
and PPVA solutions, as well as the
underlying investment chassis.
He holds Series 3, 7, 34, and 63 licenses.
David earned his CERTIFIED FINANCIAL
PLANNER™ designation in 2016.
Spearhead is a privately held financial
services firm exclusively focused on
providing premier wealth management and
administration solutions to ultra-high net
worth investors, family offices, and private
placement markets. The firm strives to
provide long-term value to clients on an
after income and estate tax basis by
combining balance sheet risk management
techniques with investment strategies.
For Certified Financial Planners (CFPs), the
program is accredited for 1-hour of CE.
References are available upon request.