Private Placement

Private Placement: Affluent taxpayers are acutely aware of the tax burden on their investment returns. Private Placement Variable Life and Private Placement Annuities offer access to investment returns in a tax-efficient wrapper. Through Retirement & Insurance Resources and our affiliated firm Advisors Trust*, along within M Financial Private Placement products, a variety of very low commission or fee-only products are available for Accredited Investors and Qualified Purchasers.

These Private Placement products help shield traditional and alternative asset class investments from current taxation afforded to life insurance. These products can help enhance after-tax returns, enable creditor protection and increase charitable bequests. Under most assumption scenarios, the marginal cost of these products is lower than the cost of income taxes that would have otherwise been due on investment gains. If established and monitored properly, they offer the opportunity to access life insurance and investment funds within a tax-efficient structure.

*Disclosure: Advisors Trust Planning and Investment Company, is an independently owned and operated registered investment advisory company. Private Placement Life Insurance and Annuities are unregistered products and not subject to the same regulatory requirements as registered products. As such, these private placement products can only be offered to Accredited Investors or Qualified Purchasers as described by the Securities Act of 1933.