Estate & Advanced Planning
With over 75 years of collective industry experience, our Advanced Market team specializes in assisting you in expanding your business with high-net-worth individuals and business owners. We deliver sophisticated planning strategies that help you achieve your financial goals.
Nine Advanced Planning Strategies
Explore our planning disciplines — each designed to address the specific needs of high-net-worth individuals and business owners.
Executive Benefits
Flexible way to provide benefits to key employees as a way to reward and retain them. Includes salary continuance, executive bonus, split dollar, and non-qualified perks.
Buy-Sell Planning
A properly structured buy-sell agreement with an adequate finance mechanism protects a firm if the owner dies, gets sick, or quits — ensuring seamless business continuity.
Capital Gains Planning
Strategies for the sale of privately owned businesses, real estate, capital assets, appreciated equity positions, digital currency, and private equity investments.
Non-Qualified Deferred Comp
Reward and encourage a limited set of employees with salary continuance, executive bonus, split dollar, or other non-qualified perks that attract and retain top talent.
Key-Person Insurance
Life insurance purchased by a business owner to protect the business in the event of a loss of a key person — safeguarding enterprise value and continuity.
Executive Underwriting
Executive underwriting program designed to streamline and simplify executive benefit plans with more than 10 lives — reducing complexity in group benefit structures.
Premium Financing
Strategy used by affluent or emerging affluent individuals to finance premiums for large life insurance policies — preserving liquidity while securing significant coverage.
Defined Benefit Plans
Allows company owners to make tax-deductible contributions for retirement income, tax-deferred growth, and life insurance protection in a single integrated structure.
Corporate-Owned Life Insurance
Use business funds to help pay for a personally owned permanent life insurance policy through leveraging a lower corporate tax rate — a powerful COLI strategy.
A rapidly growing logistics firm wanted to protect its executive team from being recruited by competitors. WealthBridge structured a customized non-qualified deferred compensation plan for 12 key executives, tied to performance metrics. The program successfully aligned executive incentives with company growth, resulting in a 95% retention rate over 5 years.
Two co-owners of an engineering firm with an $8M valuation had no formal funding mechanism for their buy-sell agreement. WealthBridge structured a cross-purchase agreement funded by corporate-owned life insurance. When one partner unexpectedly passed away, the surviving partner received tax-free death benefits to immediately purchase the deceased partner’s shares, securing business continuity and providing immediate liquidity to the family.
A real estate investor wanted to sell a commercial property valued at $5M with a very low tax basis, facing an immediate $1.2M capital gains tax liability. WealthBridge coordinated with their tax advisors to structure a specialized trust. The transaction successfully deferred the capital gains tax, allowing the full $5M to be reinvested into a diversified income-generating portfolio.
A public company CFO earning well above the 401(k) contribution ceiling wanted to defer a significant portion of their compensation to minimize their current tax bracket. WealthBridge structured an informally-funded Non-Qualified Deferred Compensation (NQDC) plan, allowing the executive to defer $450K annually. The funds grew on a tax-deferred basis with flexible distribution options tailored to their retirement timeline.
A biotech startup’s valuation was heavily tied to its chief scientific officer’s proprietary research. Investors required a contingency plan before releasing Series B funding. WealthBridge structured a $10M key-person life and disability policy owned by the corporation. This satisfied investor requirements, secured the funding round, and provided a financial cushion to recruit a replacement if needed.
A 58-year-old real estate developer with a history of cardiovascular issues needed $15M in coverage for estate planning. Standard channels returned high-risk ratings or outright declines. WealthBridge’s dedicated executive underwriting team compiled a clinical-grade medical brief, negotiated directly with specialized reinsurers, and secured the full $15M at standard rates — saving the client over $180K in annual premiums compared to the initially quoted substandard rating.
A high-net-worth family needed $20M in coverage to fund projected estate tax liabilities. Rather than liquidating high-yield real estate assets to pay the substantial premiums, WealthBridge structured a premium financing arrangement. A commercial lender funded the premiums, secured by the policy cash value and minimal outside collateral, keeping the family’s $6M in capital fully invested in their real estate portfolio.
A highly profitable medical practice with three senior partners wanted to maximize their tax-deductible retirement savings far beyond standard 401(k) limits. WealthBridge structured a custom Cash Balance Defined Benefit Plan, allowing the partners to contribute and deduct over $350K annually. This significantly lowered the practice’s current tax liability while rapidly accelerating their retirement savings timeline.
A major manufacturing corporation needed a tax-efficient vehicle to fund its post-retirement executive health liabilities. WealthBridge structured a Corporate-Owned Life Insurance (COLI) program. The corporation deposited cash reserves into high-grade policies, where the cash value grew tax-free as a highly liquid asset on the balance sheet — perfectly offsetting the executive liabilities while improving overall corporate net income.
Advanced Planning Expertise
WealthBridge's advanced planning team works alongside your existing advisors — CPAs, attorneys, and investment managers — to design and implement strategies that address the full complexity of your financial picture.
Todd began his career in the financial services industry in 2013 where he worked with Goldman Sachs on the equities desk and later moved to the JPMorgan Foreign Exchange desk. He received his law degree from Touro Law and brings a unique combination of legal expertise and financial services experience to every advanced planning engagement. Todd specializes in estate strategies, business succession, and premium financing structures for high-net-worth individuals and business owners.
From Discovery to Implementation
Our structured process ensures every strategy is properly designed, stress-tested, and implemented with precision.
Discovery
Comprehensive review of your financial picture, goals, existing structures, and advisory relationships.
Strategy Design
Customized planning strategy, modeling multiple scenarios and coordinating with your CPA and attorney.
Implementation
We manage the implementation process — from legal document coordination to carrier underwriting and policy issuance.
Ongoing Review
Annual reviews to ensure your strategy remains aligned with your goals, tax law changes, and life events.
Ready for a More Sophisticated Strategy?
Reserve a confidential strategy session with a WealthBridge advanced planning specialist. We'll assess your situation and identify the highest-impact opportunities.
Reserve Your Strategy Session
Reserve Your Strategy Session
Pick a time with a WealthBridge advanced planning specialist. We'll assess your situation and identify the highest-impact opportunities.