Filling the void in the lifelong financial wellness
of successful individuals and their
Valley View Consultants, Inc. (VVC) is the Sponsor and Administrator of
The STAR Plan
The STAR Plan is a Personal "Parity" Restoration strategy for higher and highly compensated "white-collar" individuals / employees and their trustee.
Funded with individually owned Institutional Life Insurance (ILI) ... the same asset class corporations (COLI) and banks (BOLI) utilize to fund supplemental plans to executives capped-out of traditional employee benefits.
Makes ILI available to the individuals whose career and life choices makes ILI's superior value ... possible.
Financially "Kills three birds with one stone" ... What if you live, get sick or die?
STAR is an external ILI management strategy available to:
All ILI qualifying individuals / families for their personal lifelong fund / cash / tax / risk management.
All employers as an alternative / complement to a nonqualified benefit plan.
The STAR Plan makes Washington's plan caps / traps and high tax rates ... irrelevant.
The "Parity" problem is the inability of higher and highly compensated individuals / households to save equally or more efficiently outside the 401(k) or Roth IRA.
Age 45 male spendable cash gain / loss comparison to the 401(k) structure in the event of life (Green), terminal illness (Orange) and death (Yellow).
The STAR Plan featuring ILI
Comparable or greater net accessible cash from day one (Green). 98%-105% initial cash surrender value.
Lower lifetime total costs than retail life insurance, executive benefits or personal financial planning alternatives.
Decreasing costs the longer we live - a longevity hedge.
Multiple asset allocation management alternatives.
Added creditor protection (states).
Cash values 100% excluded from college financial aid (FAFSA) calculations.
Greater lifelong and retirement cash management options.
Integrated professional plan management.
Added financial protection if you get sick (Orange) or die (Yellow).
No longer do America's 50 million STAR households saving outside the 401(k) have to fall off the traditional personal financial planning cliff.
Healthy "white-collar" roles saving outside their employer's 401(k) match cap.
Nonqualified Plan (409A) Participants.
Trustees of ILI qualifying grantors and beneficiaries.
The higher the income, the greater STAR's suitability and financial advantages.
ILI was created in 1986 as an alternative fund investment and risk management container for large corporations and banks to fund parity restoration plans for senior management.
The STAR Plan was created in 2002 to provide direct access to ILI to all the key employees and executives whose career and life choices make ILI's superior value ... possible.
ILI combines executive longevity, medical advancements and the IRC §7702 tax and pricing structure to create a more effective fund investment container for life's needs while providing added financial protection in the event of terminal illness or death.
And unlike other fund investment alternatives or retail life insurance, the longer medical advancements let us live, the lower the ongoing cost of ILI for STAR participants.
The STAR Plan is designed for higher and highly compensated individuals that plan to live ... while providing added financial protection if they get sick or die.