Valley View Consultants, Inc.

Filling the void in the lifelong financial wellness

 of successful individuals in the workplace.

Valley View Consultants, Inc. (VVC) is a third-party Analytics, Sponsor and Administrator of The STAR Plan.

The STAR Plan is a Personal "Parity" Restoration Strategy for higher and highly compensated individuals (HCE Class) that qualify to access investment oriented institutionally priced life insurance (ILI).

2014 Personal "Parity" Restoration Update and Comparative Analysis

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We all need to two planning buckets.

The STAR Plan  allows America's ILI qualifying individuals to save, plan and protect outside Washington's options on a more valuable basis.


A Total Financial Protection Management Strategy:

  • What if things go terribly wrong?

  • What if things go as well as you hope?

  • What if things go significantly better than ever envisioned?

The STAR Plan - A Total Financial Protection Management Strategy


The STAR Plan Value Proposition

  • 100% cash surrender value vs. 90% 401(k), 80% 409A, 25%-60% retail life insurance.

  • Lower lifelong total costs than similar fund investing in 401(k) or taxable account.

  • Lifelong tax-advantages, creditor protection and planning preferences.

  • Longevity hedge as medical science lets us live longer - longer we live, lower the cost.

  • Added financial protection if you get sick or die.

Sample STAR Male     Sample STAR Female

The STAR Plan Replaces "Risk-Reward" with "Respect-Reward"


The STAR Plan empowers individuals, employers and trustees to combat Washington's discrimination and Personal Financial Planning shortfalls.

  • HCE Class career and life choices made The STAR Plan ... possible.

  • Respect makes The STAR Plan value proposition ... accessible.

The STAR Plan eliminates the planning and tax impact of success.



An Institutional Life Insurance Plan Administration and Service Center for Successful Individuals, Employers and Trustees.

Please contact me. 

Mark Whitelaw - Owner and President
Prudent Planning Design, Administration and Consulting Services for 30 years.

Medical Advancements increasing HCE life expectancy has allowed ILI funded "Parity" Restoration to evolve from an Executive Benefit into a HCE Class personal planning choice.

ILI is what large corporations invest through (COLI / BOLI) to "fund" supplemental benefits to HCE's impacted by Washington's tax-qualified benefits limits.
By 2002 HCE's were living so long, reducing ILI's total costs so low, that the ILI product evolved into a superior lifelong value than the Executive Benefit it was informally funding.
The STAR Plan in 2002 repurposed ILI for HCE Class direct access in a VVC administered Personal "Parity" Restoration strategy.
 And as medical advancements help us live even longer Washington will need to increase taxes again while ILI costs will continue to reduce and The STAR Plan's financial advantage is expected to continue to increase.

The STAR Plan is a "longevity" based Investment, Retirement and Legacy strategy.
The longer we live, the greater The STAR Plan financial advantage for you and your family.

VVC Analytics Methodology

VVC's analytics are base on FINRA Rule 2210(d)(4)(C) methodology for “hypothetical illustrations of mathematical principles” to ensure informed financial decisions.

The information contained within is for illustrative purposes only and does not represent an actual portfolio.
Illustrated Market Rate-of-Return is not guaranteed. Individual results will vary.
While "life insurance" is not an "investment", all life insurance serves an investment function.
It is only prudent that the Best Practices methodology prescribed by the Financial Industry Regulatory Industry be utilized for STAR education and decision making.