Who are we

Melior Strategies works with ultra-high-net-worth individuals and companies to help them achieve certain financial goals. Our purpose is to provide bundled life insurance solutions that address the unique challenges of high-net-worth families and business owners with the primary goal of preserving assets, supporting family wealth, and creating your legacy. Our depth of experience is over five decades of financial planning.

Qualified high-net-worth individuals utilize our Life Insurance Premium Funding strategy with no out-of-pocket expenditures. Our solution utilizes investment funding to pay premiums and expenses. This strategy has been in use for over 20 years. Our policies and Life Insurance Premium Funding eliminates premium payments and reduces all of the risks associated with traditional premium financing.

Our clients fall into two categories with specific goals.

Individual or Family Clients

• Managing Estate Tax Liabilities
• Estate Equalization
• Large Philanthropic Donations

Business Use Opportunity

Through our relationships, we help clients better utilize their balance sheets and liquidity to obtain

• Business Succession Planning
• Key Person Insurance

Our Solution

Our solution is a process that dramatically reduces the out-of-pocket costs of paying federal estate taxes and business succession to pennies on the dollar. Our clients view this as a multifaceted financial tool. Assets are preserved to continue growth with maximum benefits. This type of funding eliminates or drastically reduces all the risks associated with traditional premium financing, including:

• Interest Rate Risk
• Spread Risk
• Renewal Risk
• Time Factor Risk
• Personal Guarantee Risk

Our Difference

Through our relationships we help clients better utilize their balance sheets and liquidity to obtain

• Minimal out-of-pocked costs
• Tax-efficient structuring
• Limited Risk

A Better Way to Preserve Wealth

Create your legacy while minimizing out-of-pocket costs to continue through generations of your family.