Why We Exist
We believe wealth managers and their clients deserve better than the "either/or" choice between asset management and packaged insurance products. Our purpose is to prove that superior outcomes are possible when we break down the 'either/or' wall in this industry.
We do this through rigorous front-end analysis and innovative structuring. We exist to provide the tools, partnerships, and execution to create blended products that make superior outcomes possible at scale.
"We're here to shake up a stagnant industry, listen to what clients and advisors have been demanding for decades, and actually deliver it."
The Stakes
The current wealth management model isn't just outdated—it's failing clients, advisors, and the industry itself. Here's what's at stake if we don't act:
For Clients
→ Suboptimal outcomes: lower returns, guarantees threatened or wiped out
→ Exposure to insurer fragility in a stressed industry
→ Forced into solutions that don't reflect what HNW and UHNW clients or their advisors actually want
→ Fear is not addressed in wealth management planning
For the Industry
→ The insurance industry is stuck in 1980s products and technology
→ Insurance products are obtusely packaged, stifling innovation and foregoing client control
→ Status quo-driven management leading to suboptimal wealth management outcomes
→ The real risk: a major insurer failure within the next decade that damages trust in guarantees
Why Outcomes Matter
The advisory industry has done a respectable job over the past 40 years educating the public about the need to save and invest. However, financial planning in most of its forms is guiding clients towards defined goals or outcomes—not just investment returns.
In effect, we have shifted the promises made in the past by pension-like institutions to the 'pensioners' themselves. This is true for mass affluent households planning for retirement as much as it is true of a multi-family office making complex plans around legacy planning.
This is why the combination of investment management and risk management needs democratization in the way so many innovations from Wall Street are today. Optimize outcomes with the best of both worlds.
And we do this in conjunction with what advisors are already doing.
A Smarter Path Forward
By combining institutional asset allocation techniques with the core protections of insurance, we create integrated portfolios designed to deliver on two measurable client outcomes: sustainable income and terminal value. Our proprietary analysis tool demonstrates, with probability-based outputs, where asset management alone or insurance alone fall short — and how integration wins.
What Makes Us Different
→ Front-end analysis that proves the optimal mix
→ Outcome-focused portfolio construction—embedding CIO-level portfolio construction discipline into personal wealth/retirement planning
→ A wholesale/advisory model for wealth managers outsourcing risk management without outsourcing control)
→ Future licensing potential through wealth-tech tools
Strategic Anchors
→ Heavily client focused: Our client is the advisor/family office. We make them heroes to their clients. We make it possible for them to remove fear from the financial planning process of their clients.
→ Advisor-centric: We specialize in creating insurance/annuities that an advisor would WANT to recommend.
→ Systemic risk awareness: We factor in systemic risk anytime we use insurance company products. We have been screaming into the void about this for years—the same counter-party risk that every institutional investor engages in every day.
Who We Serve
We partner with forward-thinking advisors, family offices, and investors who are ready to challenge the status quo.
Family Offices
Serving UHNW clients with sophisticated needs
Independent RIAs & IBDs
Outcome-driven, AUM-friendly solutions for advisors
Strategic Partners
Collaborate on new structures, tech, and distribution
Investors
Back an innovative platform between asset management and insurance