Wealth Architecture for the Modern Entrepreneur

This is the single biggest vulnerability in most growing companies. I’ve seen solid businesses fold in six months because a key revenue generator passed away and the bank froze their credit lines. We set up a "liquidity injection" strategy (often called Key Person protection) that drops immediate, tax-free cash into your operating account if tragedy strikes. It gives you the runway to hire, train, and stabilize without dipping into your personal savings.

Let’s look at your org chart and identify who is actually uninsurable to your P&L.

AI is the greatest leverage of our lifetime, but only if you stop treating it like a toy.

Most consultants will sell you a prompt library and call it a "strategy." We don't do that. We look for the friction in your P&L—where are you bleeding time? Where is the manual data entry? We deploy battle-tested AI agents to handle the grunt work, customer service, and data analysis. We don't use you to test the "next shiny object"; we implement what is already working to cut your overhead and speed up your execution.

Let’s audit your workflow. I can usually spot 3-4 immediate wins where AI can replace 20 hours of busy work next week.

You need a funded "Business Pre-Nup."

Without it, your partner’s equity likely passes to their family, meaning you suddenly have a new partner who may not know the business but definitely wants a paycheck. We structure a Buy-Sell agreement funded by life insurance. If a partner passes, the policy pays out immediately, giving you the cash to buy out the family at a fair price. They get financial security; you get 100% control.

I can walk you through how to value these shares so everyone walks away happy.

You need to divorce your revenue from your physical presence.

Most entrepreneurs confuse "income protection" with "overhead protection." If you can't work, personal disability pays your mortgage, but it won't pay your office rent or your staff. We use a strategy called Business Overhead Expense (BOE). It cheaply covers your fixed operating costs while you recover, so you have a business to come back to. Best part? The premiums are usually a 100% tax-deductible business expense.

Let’s audit your monthly burn rate and put a shield around it.

Yes, it’s called the "Rich Man’s Roth," (You dont' actually need to be "rich"!), and it’s how I built my own freedom.

Once you hit contribution limits on traditional plans, your options shrink. We utilize over-funded cash value structures (IULs) that allow your money to grow tax-deferred and be accessed tax-free. Unlike a 401(k), you can touch this money before age 59½ without penalty—perfect for bridging the gap to early retirement or funding a new venture.

Hop on a Zoom with me, and I’ll model a scenario using your actual tax bracket.

Golden Handcuffs are cheaper than recruiting fees, and they're wonderfully ethical.

You can’t just offer salary anymore; you need to offer a future. We can structure an Executive Bonus Plan where the company pays the premiums on a cash-accumulation policy for your key employee. They own it, they get the tax-free growth, but you get the deduction and the loyalty. If they leave early, they walk away from a massive asset.

I’ve helped dozens of owners retain their best people with this exact strategy.

We use "discounted dollars" to pay the tax bill.

Estate taxes are brutal, and they often force heirs to sell family assets (like the business or real estate) just to pay the IRS. By setting up an Irrevocable Life Insurance Trust (ILIT), we create a pool of tax-free money specifically designed to pay those estate taxes. You pay pennies in premiums now to save your heirs millions later.

This requires coordination with your legal team, which I handle personally.

You get me. Not a call center.

I am an independent consultant and broker, not a lead-generation farm. When you request a strategy session, you are booking time directly on my calendar. We talk, I listen to your goals, and I tell you if I can help. If I can't, I’ll tell you that too. I’ve been doing this long enough to know that pressure kills trust.

Check the Vault for my free resources if you want to vet me before we talk.

You don’t have a business yet; you have a high-paying job.

If the revenue stops when you go on vacation, you have a "Key Person" problem that insurance can’t fix, and that's operational dependency. We come in and extract the IP from your head, turning your gut instincts into documented, scalable Standard Operating Procedures (SOPs). We build the "Playbook" so your team can run the plays without calling you for every audible.

I’ve helped owners transition from "Chief Firefighter" to "Chairman of the Board" by building systems that run themselves.

Scale isn't about adding more people; it's about removing drag.

I’ve seen it a hundred times: a company hits a revenue ceiling because their backend is held together with duct tape and Excel sheets. We build a "Growth Architecture"—a mix of automated systems, AI integration, and lean process design—that allows you to handle 10x the volume without 10x the headache. We don’t guess; we engineer the outcome.

This isn't theory. This is the exact operational framework that allows me to run a high-level firm from the road without dropping a ball.