Valley View Consultants, Inc.

Valley View Consultants, Inc. is the sponsor and administrator of The STAR Plan.

We all need to save equally efficiently outside our 401(k).

Assuming all things being equal, which would you prefer?

If you lived - the red or the green?

If you died - the red or yellow?

There are only two things certain about tomorrow.

You will live, or die.

The STAR Plan is designed for both.

More efficient lifelong fund and tax management for you.

Additional financial protection for your family.

Two STAR Total Cash Management (TCM) Planning Questions:

If you could be in a comparable or greater cash and cash management position today, is there any reason why you would not want your family to have some extra financial protection if you got sick or died tomorrow?

Lifelong longevity based TCM already costs less than tax based fund investing.

What do you think is more probable?
- Washington is going to eliminate its restrictions and taxation of tax based investment programs (401(k), Roth, IRA, taxable brokerage accounts, 409A)?
- Medical advancements will let successful individuals live even longer.

Today - Longevity already trumps tax. And we expect that advantage to continue.

The STAR Plan funded with Institutional Life Insurance (ILI).

ILI was created in the 1980's to provide CFO's fund, pricing and tax management options for their employer's benefits, cash and risk management - COLI / BOLI / SALI.

In 2002 ILI became available for individual ownership through The STAR Plan.

Comparable immediate accessible cash as a taxable brokerage account.
Comparable or greater long-term accessible cash as a tax-qualified benefit plan.
Lifelong additional financial protection for your family at no additional cost.
Decreasing cost structure as medical science extends HCE life expectancy.

The STAR Plan offer ILI qualifying individuals access to an institutional Finance asset for their personal Total Cash Management (life, terminal illness and death).

The STAR Plan - an individual ILI Total Cash Management program.

An alternative cash management "structure" to fund investing in taxable brokerage accounts, non-qualified deferred compensation (409A), 529 plan, non-qualified annuities, self-funding long-term risks like healthcare co-pays and long term care (LTC).
Available to healthy individuals earning $50,000+ and not performing a "blue-collar" role in the workplace - "gray-collar" and "white-collar" ILI risk class.
An external VVC sponsored and administered ILI access and management plan allowing qualified benefit plan sponsors and administrators to offer an Equal Financial Opportunity Workplace to HCE Class employees with no costs, no liabilities, no ERISA considerations or HR administrative hassles.
Allows individuals and trustees to "cost-shift" from the high cost of mutual fund investing and taxes to the lower cost of ILI separate account investing - while also receiving additional financial protection at no additional cost.
Not a "life insurance" decision in the retail or group insurance sense, but ILI fund management utilizing the more efficient IRC §7702 pricing and tax structure to maximize lifelong Total Cash Management options (life, terminal illness and death).

Valley View Consultants, Inc. is an ILI analytics and third party administrator (TPA) of individually owned institutionally priced life insurance cash management programs.

VVC's ILI management strategies don't change how you fund invest, simply how efficiently you invest.

I'm Intrigued. Please contact me.

STAR is not an employer "sponsored" benefit plan, but an external VVC sponsored and administered individual Total Cash Management program recognizing the career achievement of ILI qualified individuals in the workplace.

STAR is not a retail or group “life insurance” program, but is an institutional fund, tax and risk management program utilizing the IRC §7702 tax structure.

STAR is not an “executive benefit” program, but a longevity driven cash management and life insurance protection program available to all ILI qualifying individuals.

What makes more sense for you?

Giving-up 23% - 63% of your investment gains in taxes, mutual fund fees and retail financial planning compensation.
Giving-up 15% - 22% of your investment gains to a leading ILI issuer while receiving hundreds of thousands, or millions of dollars of tax-advantaged financial protection for your family - at $0 added cost.

Age 45 male, $50,000+ compensation - 8% market total return lifelong cost-of-investing - six-structure comparative analysis.

The STAR Plan is a longevity driven fund, risk, tax and cash management program designed to maximize the lifelong Total Cash Management of those expected to live the longest.

The Bureau of Labor Statistics (BLS) estimates 41 million of America’s 131 million workers fit the ILI underwriting requirements.

ILI access represents a “game changer” for ILI qualifying individuals, employers and trustees.

Individual Total Cash Management.
Equal Financial Opportunity Workplace.
401(k) / 403(b) / Roth Complement.
NQDC Plan Complement.
Trustee Fund Diversification.
“X” and “Y” Generation Planning.
Planning for Women.
ILIT “Combo” Plan Alternative.
Non-qualified Asset Consolidation.
Self-funding Risk Alternative.
NQDC Participant Distribution Management.
Affluent Multi-generational Planning.
HCE Financial Health Club.

**Today - those expected to live the longest, financially "win" the most.**

Congratulations on your career and life achievements qualifying to access The STAR Plan and ILI's more efficient lifelong longevity driven Total Cash Management.

Valley View Consultants, Inc.