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Today's economics:

  • HCE Class individuals are living so long that institutional life insurance (ILI) has evolved into the more efficient fund management "structure" for life's cash needs - ILI costs less than taxes.

  • Medical advancements will allow successful individuals to live even longer - further reducing ILI costs - increasing the longevity bonus for STAR participants.

  • The longer we live, the greater the need for Washington to raise taxes, reduce social benefits and reduce tax-qualified plan benefits.

Today, longevity driven cash management trumps tax driven cash management for those expected to live the longest.

The STAR Plan® is for successful individuals saving outside the workplace.

  • Successful individuals wanting to shift from the high cost of taxes to the lower cost of ILI - while receiving additional financial protection for their family at $0 additional cost.

  • Individuals that are restricted or capped in their Roth, 401(k), 403(b), etc. wanting a secure, private, lifelong tax-independent alternative.

  • Nonqualified benefit plan participants needing to position for plan distributions and life-after-career.

  • Employers that recognize the corporate culture advantages of offering an equal financial opportunity workplace.

The STAR Plan® is a longevity driven cash and risk management program - turning ongoing longevity gains into increased financial gains.

2012 "What if I knew?" Video Due Diligence Overview      Video Slides (pdf)

Mark Whitelaw reviews the ILI fund management diversification opportunity and VVC's "What if I knew?" financial analysis providing HCE's, employers, professional advisors and trustees full disclosure of The STAR Plan's role in 21st century wealth management.  MS Producer Presentation - MS Internet Explorer Required

The "Who" and "Why" is a one-page checklist of the reasons why HCE's and Employers choose The STAR Plan.

The STAR Plan was created in 2002 to serve two markets:

  • Employers that want to help their HCE's.

  • HCE's that work for employers that don't.

The choices you make today could benefit, or impact you and your family for decades, or generations. 

Qualifying Individuals   Employers & Qualified Plan Administrators   STAR Participants

Congratulations!

Your career achievement earns you access to a special HCE Class financial product - ILI. 

ILI is specifically designed to maximize institutional fund management efficiency and value for those expected to live the longest - HCE's.

"Those expected to live the longest, win the most."

Your career achievement is what makes the ILI enhancement for HCE's - possible.

The STAR Plan's Role for Individuals

Learn more how your life choices and The STAR Plan  eliminate the financial discrimination against tax-qualified plan HCE's.

 

 

For 25 years institutions have utilized ILI for their cash and risk management - insuring consenting HCE's for the institution's financial benefit.

Today, HCE personal access to ILI through The STAR Plan facilitates the employers responsibility to provide a "fair and equal workplace for all employees" - ends the financial discrimination against the HCE Class employees associated with sponsoring a tax-qualified benefit plan.  (401(k), 403(b), etc.)

The STAR Plan's Role in the Workplace

The STAR Plan allows employers to help all their HCE's save more efficiently with no costs, liabilities, DOL or ERISA considerations or administrative responsibilities.

Your HCE's life choices have made parity restoration - possible.  You are their conduit to The STAR Plan workplace convenience.

 

Valley View Consultants, Inc. is the STAR Participant's personal plan administrator - their consulting, administration and service coordinator for their ILI policy.

Part of the ILI pricing discount is based on the use of special issuer approved third party administrators (TPA) for all services activities.

STAR participants are not just buying a policy, but are joining a professionally managed plan.

 

Today, there are three levels of personal financial value and efficiency:

  • Retail Financial Planning Products.  (Red)

  • Employer Sponsored Benefit Plan.  (Blue)

  • Employer Facilitated HCE Institutionally Priced Personal Access Opportunities.  (Green)

Why have Institutions invested over $180 billion in ILI to fund its long-term cash liabilities?

  • HCE Class risk rates have less "drag" on investment gain than taxes (Green vs. Red).

  • HCE Class risk rates will continue to go down as medical science helps us live longer - (further reducing the Green vs. Red).

The STAR Plan® pioneered employer facilitated direct HCE Class access to the ILI value.

STAR Qualifying Individuals:

  • Short-term ... Comparable or greater accessible cash than a taxable brokerage account.

  • Long-term .. Comparable or greater accessible cash than a tax qualified plan.

  • Lifelong life insurance protection ... at $0 additional cost.

A level of lifelong value and efficiency only ILI offers today.

STAR Facilitating Employers:

  • An external HCE parity restoration plan with no employer costs, liabilities, DOL or ERISA considerations or administrative responsibilities. 

  • A "good news" response to the qualified benefit plan caps limiting the amount of federal protection available to all HCE Class employees.

  • Access to the same proven time-tested asset employers have prudently used for their business continuity planning for over 25 years.  (COLI - BOLI)

The STAR Plan® provides HCE's direct access to ILI through a professionally managed program.

STAR is not a “life insurance” benefit in the retail sense … but a proven institutional finance asset being made available to the individuals whose career and life choices made this level of financial value and efficiency possible … for their lifelong personal cash and risk management.

  

Consider the same issuer, fund portfolio and financial assumptions.

Let's review the illustrated costs of going through its different financial doors to receive the same spendable cash at retirement.

The STAR Plan® doesn't change how you save, it changes how efficiently you save - institutional fund management plus additional financial protection for your family - the financial "win-win" ILI offers you and your family.

Information and Due Diligence

Note:  The STAR Plan® is not an "executive" benefit plan, but is designed for the 42 million American's in the workplace that qualify for STAR access - including the 3 million that perform executive level roles.

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 fund management "structure" (pricing and tax) for successful individuals ... especially HCE Class individuals capped or restricted from tax-qualified plans ... those punished for being successful.  Today ... longevity trumps tax for STAR qualifying individuals.  The result ... Total Cash Management.

STAR Parity to HCE's provides STAR comparative summaries at multiple ages and market rates-of-return.  The STAR Plan protects both short-term downside risk and lifelong upside potential.

HCE Parity Restoration Summary and "What if I knew?" are VVC financial analysis' illustrating the effect on accessible cash for life's needs of accessing comparable fund portfolios through today's more popular financial structures.

Why Kodak is Important - Separating "Compensation" and "Convenience" Objectives  Since 2002 it has not been necessary or prudent for employers to combine employer incentive "compensation" and employee savings "convenience" in one unsecured benefit plan.  Kodak's bankruptcy is just the most recent example.  Today, every NQDC plan should comprise two ILI policies - one for the firm's benefit plan funding, and one for the participant to manage their external cash, their NQDC plan distributions and "life after career" cash needs.

STAR Due Diligence for employers, individuals and trustees.  Every employer that offers a tax-qualified savings plan (401(k), 403(b), etc.) has a problem - HCE caps.  Additional restrictions on 401(k) participants earning $115,000+.  Not an "executive benefits" issue, but a broad higher earning employee class further limited in how much they can contribute to receive federal protection. 

STAR Due Diligence - Retail v Institutional Life Insurance for employers, individuals and trustees.  Retail and Institutional Life Insurance are 180° opposites that share the IRC §7702 tax structure - designed for completely different purposes.  This presentation reviews why retail life insurance is an unsuitable structure for lifelong cash management, where ILI is designed specifically for long-term institutional fund, cash, tax and risk management. 

VVC Benchmark Calculator  What is a fair trade-off between upside potential and downside risk?  The financial landscape today is complex - fund investment alternatives and "Indexed" insurance products whose investment return is associated with the "Point-to-Point" return of different indexes as opposed to the "Total Return" received in index fund investing.  "Indexed" products are very complex and trade significant limitations on upside potential for 0% downside investment return protection prior to annuity or life insurance policy expenses.  The VVC Benchmark Calculator is an educational tool comparing multiple "Indexed" structures to index fund investing in a taxable brokerage account or STAR.

Please contact me at Mark@ValleyViewConsultants.com with any questions about how The STAR Plan featuring ILI is the ideal parity restoration program for HCE's.

42 million American's qualify for the ILI longevity bonus.

The STAR Plan® is their point-of-access and administration.

Please contact me about The STAR Plan

Copyright © 2002-2010 Valley View Consultants, Inc.  All rights reserved.

The STAR Plan®  is a Registered Service Mark of Valley View Consultants, Inc.
Last modified: February 02, 2012