All attorneys, accountants, trustees, and financial advisors understand the traditional role life insurance death benefits play in their clients’ coordinated estate plans … liquidity at death.

But few professional advisors are knowledgeable about the role investment-oriented institutional life insurance (ILI) plays in the lifetime Total Cash Management for their mid-upper income clients … liquidity and non-taxable cash-flow for life.

The STAR Plan represents a new era HCE planning … longevity-driven Total Cash Management.

• ILI policy costs typically have less drag on investment gains than taxes.

• ILI separate account portfolio expenses typically are 35%-65% less than their mutual fund counterparts.

• The combination of low ILI policy costs and discounted separate account fund access results in lower total cost than investing in mutual funds in other structures ... "(A+B) < C".

• Non-taxable “spendable” cash flow management opportunities that are not available in tax-qualified alternatives, or not practical in taxable accounts or in trust.

The STAR Plan - An Accounting Advisory Complement provides a one-page summary of the many ways STAR enhances accountant advisory services.

The STAR Plan complements professional advisor services:

• Qualified Benefit Plan complement or alterative ... STAR makes qualified plan caps irrelevant.

• Incentive Bonus Plan complement ... providing cash without an efficient container is an incomplete incentive.

• Venture Capital key employee attraction and retention ... growing businesses need to focus on the more efficient ways to recognize career achievement.

• Mergers and Acquisitions ... consolidation presents opportunities to re-focus on simplicity and efficiency.

• Nonqualified Deferred Compensation complement or alternative ... since 2002 the traditional NQDC funding asset (ILI) has evolved into a greater value than the benefit plan.

• 409A Exit Strategy ... a "win-win" for both employees and their employer.

• Wealth Management ... easy to understand why so many affluent families are shifting so much of their investable wealth into the ILI management container.

Additionally, Valley View Consultants, Inc. supports professional advisors.

• Personal consultation and video conferencing.

• STAR Advisors that help you and your clients plan due diligence and access to our STAR member ILI issuers.

• May 2011 Fiduciary Advisor Series ILI Executive Overview.

• Trustee introduction and fiduciary coordination with The TOLI Center and TrustBuilder Services, LLC.

We live in a different economic world today ... one where longevity is a double-edge sword:

• Longevity-driven financial challenges.

• Longevity-driven financial solutions … for the 41 million Americans that have made the career and life choices earning access to The STAR Plan featuring ILI.

We also live in a different risk management world today ... one where STAR awareness is a double-edge sword:

• A "good will" complement fulfilling a qualified plan sponsor's obligation to provide equal value to its HCE's.

• A potential liability to the qualified plan sponsor that does not make their HCE's STAR Aware.

STAR Participant Brochure  reviews the six leading alternatives available today for individuals to access and manage leading funds and demonstrates why The STAR Plan featuring ILI is the more suitable "structure" for successful individuals ... especially HCE's capped or restricted from tax-qualified plans ... those punished for being successful. 

The STAR Plan Turns HCE Longevity Gains into Personal Financial Gains reviews the decreasing ILI costs since its inception in 1986 and how medical science and HCE career achievement has allowed ILI to evolve into the more efficient Total Cash Management structure for successful individuals.

Please contact Mark Whitelaw ... Mark@ValleyViewConsultants.com ... with any questions about VVC can support your firm and your clients.