Valley View Consultants, Inc.

Helping employers demonstrate appreciation and financial respect to all their employees

The STAR Plan^® Strategic Talent Appreciation and Recognition.

If you could be in an equal or greater cash and cash management position today, is there any reason you would not want your family to have some extra cash if you died tomorrow?

The answer is obvious … but it’s only that simple because so many factors have been addressed in a more effective manner for you.

Decision Making Factors
Sales loads Impact on cash position Tax-free accessibility Diversification Tax impact on other savings programs Net rate of return Management fees Transaction fees Taxes on turnover	Taxability of distributions After-tax tax-deferral Tax-free death benefits Imputed income Impact of longevity Impact on heirs Creditor protection Management advice Unsecured creditor status

The STAR Plan^® featuring ILI delivers a level of personal financial value, tax management, accessibility, low expenses, security and lifelong longevity protection previously not available in the workplace to qualifying employees.

The STAR Plan^® featuring ILI … a lifelong longevity-driven personal cash and risk management program.

I invite you to explore the personal planning efficiencies of The STAR Plan^®.

Mark Whitelaw - President

Helping employers offer financial parity to all their employees since 2002

Please contact me about The STAR Plan

The STAR Plan^® (Strategic Talent Appreciation and Recognition) is a voluntary employer-facilitated insurance-based investment program utilizing investment-oriented institutionally-priced life insurance (ILI).

ILI's design maximizes lifelong cash accumulation (cash values start at 100% of contributions) by minimizing the life insurance protection for your heirs.

The STAR Plan® is a Registered Service Mark of Valley View Consultants, Inc.
Last modified: July 02, 2009