Income is earned.
Wealth is designed.
You have had a hundred meetings about growing your money. This is the meeting about keeping it. We do not replace your CPA, attorney or advisor. We hand them the architecture to protect your retirement and multiply your liquidity using institutional leverage.
- 7 figure founders
- Medical practices
- Real estate developers
- C suite executives
You won the income game.
The next game has different rules.
At your level, the biggest threats to your wealth rarely show up on a statement. They are built into the structure itself.
Tax drag
Growth that is taxed every year compounds slower, year after year. Over a career, the difference is measured in millions, not percentages.
The ceiling
Qualified plans cap what you can put away at a fraction of what you earn, so most of your capital sits in places the tax code was never designed to favor.
The deferred bill
Deferral postpones the tax, it does not remove it. A larger account can mean a larger bill, at rates no one can predict.
Three structures. Each engineered for a specific problem.
Every engagement starts with a drawing like these, then gets modeled to your numbers.
Premium Finance
For qualified individuals, bank financing can fund a large, tax efficient life insurance structure, so your capital stays at work in your business and investments.
Explore Premium FinanceQualified Plan Repositioning
Strategies to reposition qualified plan dollars over time into structures designed for more control, downside protection and tax free access when properly structured.
Explore RepositioningExecutive Retention Plans
A customized plan that rewards and retains key leaders, ties their rewards to the company's goals, and can sit on the balance sheet as an asset rather than only an expense.
Explore Executive RetentionBanks have always grown rich on other people's money. The wealthy borrow the same way.
A bank takes in deposits, pays a modest rate, and puts that money to work at a higher one. The difference is the business.
The wealthiest families apply the same principle to their own balance sheets. They borrow at one rate, place the money where it is designed to earn more, and keep their own capital working. It is called leveraged arbitrage.
The Leverage Engine
An institutional grade structure designed to turn a future tax liability into a tax advantaged asset.
- Leverage on your contribution. For those who qualify, bank financing can fund a multiple of what you put in.
- Tax advantaged accumulation, with tax free access through policy loans when properly structured and maintained.
- A floor on credited interest, so a market decline credits zero rather than a loss.
Leverage carries interest rate and collateral risk, and the spread between loan cost and policy crediting is not guaranteed. Policy charges apply.
Retail rules, or a designed structure.
| Conventional planning | A Femkee Marsh structure | |
|---|---|---|
| How much you can put away | Capped by IRS contribution limits | Designed around your goals and the policy's funding limits |
| How you access it | Withdrawals taxed as ordinary income | Can be accessed tax free through policy loans when properly structured and maintained |
| Market exposure | Fully exposed to downturns | Index crediting with a floor on credited interest |
| How it is funded | Your own capital | Your capital, or bank financing for those who qualify |
Policy charges apply regardless of index performance. Loans reduce cash value and death benefit. See disclosures below.
We do not start with a product. We start with a design.
The Audit
We map your tax exposure, ownership and cash flow, and find where wealth is leaking.
The Design
We model the structure in detail and document it in a written blueprint your CPA and attorney can review.
The Execution
We coordinate carriers, lenders and your professionals, and put the structure in place.
The Stewardship
Structures need maintenance. We review yours every year as your life, the tax code and the markets change.
Your financial team is missing the blueprint. We hand it to them.
We do not replace your CPA, attorney or wealth manager. We bring them the analysis and design most firms are not set up to provide, and they stay at the center of your relationship.
Many of our engagements begin with a referral from one of them.
How we work with professionals
“Most plans ask how much you can accumulate. The better question is how much you will keep.”
For more than 15 years Joshua has helped business owners and executives build wealth that does not depend on traditional retirement plans or tax deferral. He leads a team of specialists and analysts who bring institutional grade analysis, detailed modeling and rigorous scenario planning to every engagement.
About the firm
Not for everyone, by design.
Our work is built for founders, executives and families with complex balance sheets and meaningful tax exposure.
We take on only a few new engagements each month, so that every structure receives senior attention.