Tax-Efficient Asset Management

Many types of investments produce ordinary or passive income.  The taxes on this income are a drag on the net investment return and overall appreciation of the investment.  The ability to manage your investment in a tax efficient manner by reducing or eliminating these taxes can produce a significantly better result.

Private Placement insurance products occupy a unique place in the spectrum of financial products.  While having the same tax benefits as traditional insurance products, private placement insurance offers a customized policy fee structure and investment alternatives unavailable in the retail insurance marketplace.

Because private placement insurance products can only be offered to individuals who are qualified purchasers* and accredited investors they have unique policy features that can enhance a multitude of financial and tax planning objectives.

Our relationship with M Financial allows HCS access to many of the most favorable private placement products the market has to offer.

Private Placement Life Insurance is an unregistered securities product and is not subject to the same regulatory requirements as registered variable products. As such, Private Placement Life Insurance (or Annuities) should only be presented to accredited investors or qualified purchasers as described by the Securities Act of 1933
*Accredited Investors are individuals having a net worth exceeding $1,000,000 or an annual income of over $200,000 for the last 2 years.  Qualified Purchasers are individuals with a minimum of $5,000,000 of investable assets.