Premium-Financed IUL
Tax-advantaged accumulation with a death-benefit chassis. Appropriate when there's sustained high income, a good underwriting profile, and a long time horizon.
For High Net Worth FamiliesWealth that outlives you.
Wealth that outlives you.
A plan that works like family office — without the family-office minimum.
For families typically above $2M net worth — business owners, professionals, inheritors — who want the coordination of a private-wealth office without re-building their life around a single provider.
Four-generation wealth transfer
Structured so each generation inherits the asset — not the tax bill.
Six Pillars
How we structure generational wealth.
Advanced Estate Planning
Coordinated with your estate attorney — ILITs, GRATs, dynasty-trust funding strategies, and liquidity planning for estate tax.
Multi-Generational Wealth Transfer
Structured so children inherit the asset, not the tax bill — and grandchildren inherit the asset, not a court case.
Business Owner Structure Integration
Business wealth and personal wealth are usually the same wealth. We coordinate buy-sell, key-person, deferred comp, and personal IUL in one coherent structure.
Private Placement / Alternative Assets — Education
We provide educational context on PPLI, hedge-fund-of-fund wrappers, and alternative exposure. These are not products we sell directly.
Charitable Giving Strategy
CRTs, CLATs, donor-advised fund coordination. We support the strategy — your tax attorney and CPA structure the actual vehicles.
Estate Scenario Modeler
A quick look at generational math.
Illustrative only — assumes a simplified $14M joint federal lifetime exemption and a 40% effective tax on the taxable estate. Your actual situation requires full estate-tax modeling with your attorney and CPA.
$5.0M
3
Illustrative only. Actual estate-tax exposure depends on exemption portability, state estate tax, grantor-trust strategy, business valuation discounts, and many other factors. Consult your attorney and CPA.
Your HNW Lead
Dharam Chaudhari
Co-Founder / Head of Strategy
Specializes in wealth planning strategies for high-net-worth individuals, generational wealth structuring, and advanced financial coordination.
Schedule with DharamIllustrative Scenarios
How this looks in real life.
Anonymized composite cases — not specific client advice.
$10M family business owner — succession + estate structure
Owner, 58, with three adult children (one in the business, two outside). Primary concerns: fair treatment at death, continuity of business, estate liquidity for the IRS bill.
How we structured it
- Business valuation + funded buy-sell with the in-business child
- Life insurance in an ILIT sized to equalize the estate for out-of-business children
- Deferred comp tied to tenure and post-sale non-compete
- Coordination with the estate attorney on dynasty-trust funding strategy
$5M retired executive — tax-efficient income + legacy
Couple, 66 and 64, net worth concentrated in deferred-comp balances and a concentrated stock position from the retiring spouse's former employer.
How we structured it
- Partial annuitization for lifetime income on a portion of the portfolio
- IUL funded over 7-pay period for tax-free supplementation
- LTC rider on the IUL contract to address long-term-care exposure
- Charitable remainder trust for the concentrated stock, coordinated with their CPA
Carriers Relevant To HNW Planning
Access without captive incentives.
- Lincoln Financial
- Nationwide
- Allianz
- F&G
- North American
Carrier selection depends on underwriting outcome, state availability, and the specific product structure. Not an endorsement.
Illustrative scenarios only. Not tax or legal advice. Insurance is one component of a comprehensive HNW plan — coordination with your tax attorney, estate attorney, and CPA is essential. Insurance and annuity guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. Lifespan Wealth Partners does not provide registered investment advisory services or sell private placement products.
Discover
Explore
Match
Connect
Plan
Your next best step
Schedule a confidential consultation with Dharam Chaudhari
HNW planning is bespoke. A 45-minute call with our Co-Founder / Head of Strategy maps estate-level solutions to your actual balance sheet — no illustrations, just a conversation.