Valley View Consultants, Inc.

Filling the void in the lifelong financial wellness

 of successful individuals and their trustees.

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 and their trustee.

  • Funded with individually-owned Institutionally-priced Life Insurance (ILI).

  • ILI is the fund investment and risk management alternative corporations (COLI) and banks (BOLI) utilize to fund supplemental investment and retirement benefit plans to executives.

  • Available to all the individuals whose career and life achievements makes ILI's superior value ... possible.

  • Financially "Kills six to eight birds with one stone" ... What if your life goes good, bad or great?

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 a no-cost Employee / Executive Benefit Plan complement.

The STAR Plan negates Washington's plan caps, traps and high tax rates.

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).

The STAR Plan - Total Financial Protection Management Feature Comparison

No longer do America's 50 million STAR households saving outside the 401(k) have to fall off the traditional Personal Financial Planning cliff.


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

STAR Suitability

Healthy "white-collar" individuals / families.

Those who have maxxed-out their 401(k) match, or employer does not offer 401(k).

Nonqualified Plan (409A) Participants.

Trustees of ILI qualifying grantors and beneficiaries.

The higher the income, the greater STAR's suitability and financial advantages.

Suitability Overview

ILI's Longevity Based Pricing

ILI was created in 1986 as an alternative fund investment and risk management container for funding supplemental investment and retirement plans to higher/highly compensated individuals.

A lower lifelong total cost-of-investing than tax-qualified or taxable alternatives.

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 lower costs and superior value ... possible.

And unlike 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.