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Risk Management & Estate Planning
Estate & Trust Planning
Begin The Planning Process Now
Have you properly planned to ensure your business and personal assets are preserved for your family and future generations? How do you want your legacy to be remembered? Did you know that Federal and State governments may assess an estate tax based on the value of your net estate? It’s never too late to begin the estate planning process.
We represent several families on the Forbes 400 Richest Americans List as clients who turn to Apheta for their estate planning needs. We work collaboratively with your existing professional advisors as part of a team to create a unified roadmap for the future and your legacy.
Our team is dedicated to understanding your long and short-term wealth planning objectives so that the most appropriate strategies and tools are structured within your estate plan. Where beneficial, we recommend capitalizing on opportunities in the marketplace based on changes in laws, macroeconomic variables and the like.
Whether your needs include specific trust and entity planning for your family and future generations, or an organized and specific business or personal asset transfer strategy, we can help design and oversee the process from beginning to end. We pride ourselves on having a multi-disciplinary team that can tackle basic wills and trusts, to broad creative planning initiatives involving family governance, multiple family branches and generations. Our clients can leverage our “idea bank” based on years of experience implementing large creative estate plans alongside top-tier, well known law firms.
We integrate your tax, financial, non-profit and insurance planning so that your estate planning or succession planning needs are coordinated efficiently and progresses toward your wealth planning objectives.
Life Insurance Consulting
A Valuable Tool
Insurance can solve multiple purposes, including but not limited to: providing estate tax liquidity, succession planning liquidity, supplemental future cash flow needs, planned giving opportunities, debt reduction planning, income replacement and property replacement. If designed and implemented correctly, insurance can significantly enhance and supplement your estate and financial plan.
We analyze existing portfolios of coverage regularly to see if they are cost efficient and still meet family goals. We have discovered that over the past 20+ years as people live longer, the costs of coverage have decreased as much as 30-50%. Simultaneously, insurance carriers have refined product structures to meet the exacting needs of certain planning objectives. Thus, by reviewing existing insurance portfolios, we have saved our clients tens of millions of dollars by providing cheaper, more efficient alternatives. Our team has placed over $10B of coverage for some the most successful companies and wealthiest families worldwide.
Our team is a resource to CPA firms, investment management firms, and law firms who use us to develop insurance programs for their clients. In certain disruptive macroeconomic climates (such as sustained low interest environments), we identify pricing aberrations and non-traditional funding patterns in the actuarial models which allow our clients to build "portfolios" of insurance as a non-correlated guaranteed asset class with very strong internal rates of return.
Insurance should not drive your planning objectives, rather insurance is a tool to help solve your wealth planning needs when designed and implemented appropriately. Exploring and understanding your insurance needs is a necessary component of any successful and well-organized plan.
Life Insurance For Foreign Nationals
A New Horizon
The global explosion in wealth, specifically in South East Asia, brought about by the outsourcing boom, strong equity markets, real estate and entrepreneurship has created a need for advanced life insurance planning that did not exist even a decade ago. Unfortunately, the financial planning infrastructure within these countries has been slow to respond to the growing needs of these high net-worth individuals and families. With our expertise and relationships amongst top U.S. insurance carriers, coupled with our ties in the region, Apheta can now fill the void in the marketplace by offering life insurance to foreign nationals with streamlined underwriting, and often times financing. Using life insurance to protect wealth is a welcome opportunity to wealthy business owners who generally viewed life insurance as very limited tool in their home countries. Our commitment to this space is evident by the opening of our Mumbai office in 2010.
Risk Management
Securing What You’ve Built
Have you properly planned to ensure your business and personal assets are preserved for your family and future generations? How do you want your legacy to be remembered? Did you know that Federal and State governments may assess an estate tax based on the value of your net estate? It’s never too late to begin the estate planning process.
Our team is dedicated to understanding your long and short-term wealth planning objectives so that the most appropriate strategies and tools are structured within your estate plan.
Whether your needs include specific trust and entity planning for your family and future generations, or an organized and specific business or personal asset transfer strategy, we can help design and oversee the process from beginning to end.
We integrate your tax, financial, non-profit and insurance planning so that your estate planning or succession planning needs are coordinated efficiently and progresses toward your wealth planning objectives.
Non-Profit Consulting
Be Remembered For More Than Your Wealth
Have you ever wondered how your own private foundation could help promote your values and legacy while giving back to the community at the same time? Or why a charitable lead trust may be an excellent tool to honor a pledge or donation over a period of time using certain assets, yet enjoying the comfort of knowing that such assets will revert back to your family in the future?
These and many other accomplished planned giving strategies offer powerful incentives to minimize gift and estate taxes, leverage assets for charitable purposes and leave a legacy for your family and community to remember forever. In addition to the tax and estate planning strategies, Apheta is dedicated to helping you understand the power of your influence and success as it relates to making a difference in your lifetime. Not only will planned giving help achieve your goals, but it can also help preserve your value and opportunity in the community. Be remembered for something more than just your wealth. Be remembered for the hope, achievement, progress and leadership you inspired.
Business Consulting
Due Diligence
Cover Your Bases
Are you looking to invest in a new venture? Are you entering into a new financing, expansion or even sale arrangement for your current business? It’s vital to thoroughly examine all the parties and structures involved in any new transaction you or your business is looking to get involved with. Apheta’s team has the financial, legal, accounting and business background to assure that any business transaction you are reviewing is fully vetted and has the best opportunity to succeed.
Succession Planning
Looking Ahead
Do you need to sell your business? How can you access the most equity when you retire? Are you realizing that a traditional cash or installment sale is not realistic in today’s environment? Apheta has developed a proprietary platform to address these and other major concerns facing many business owners as they begin thinking about retirement. Our program: