How to use PPLI and EWP for your best financial benefit

How to use Private Placement Life Insurance

&

Expanded Worldwide Planning for your best financial benefit

How to use PPLI and EWP for your best financial benefit.

Private Placement Life Insurance (PPLI) is a sophisticated life insurance product that offers death benefit protection while also providing access to a variety of registered and non-registered investments that are accessible solely within the life insurance policy structure . PPLI is a form of “permanent” variable universal life (or VUL) insurance providing both death benefit protection and a cash value component that accumulates investment growth within the policy. Premiums paid in excess of the cost for the death benefit coverage are credited to, and grow as part of, the policy’s cash value. VUL policies enhance this investment feature by permitting policy owners to direct the allocation of the policy’s cash value among various investment options managed by third-party advisers .

Expanded Worldwide Planning (EWP) is a sophisticated planning tool that uses PPLI as its foundation. EWP is a planning structure that uses the benefits of PPLI to structure assets for wealthy families. Once assets are placed inside the PPLI asset structure, these assets take on the six principles of expanded worldwide planning: privacy, asset protection, succession planning, tax shield, compliance simplification and trust substitute .

EWP Financial, founded by Michael Malloy, is a leading provider of PPLI and EWP services. The company has a team of experienced professionals who can help you understand the complexities of these planning tools and how they can be used to achieve your specific financial goals.

PPLI and EWP can be used to achieve a variety of financial goals, including:

  1. Wealth preservation: PPLI can be used to preserve wealth across multiple jurisdictions and also has a multitude of wealth planning benefits .
  2. Tax planning: PPLI can be used to minimize tax liabilities and maximize tax efficiency .
  3. Asset protection: PPLI can be used to protect assets from creditors and other legal claims .
  4. Succession planning: PPLI can be used to ensure that assets are passed down to future generations in a tax-efficient manner .
  5. Compliance simplification: PPLI can be used to simplify compliance with complex tax and regulatory requirements .
  6. Trust substitute: PPLI can be used as an alternative to traditional trust structures .

To use PPLI and EWP for your best financial benefit, it is important to work with a qualified financial advisor who can help you understand the complexities of these planning tools and how they can be used to achieve your specific financial goals.

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP
Michael Malloy CLU TEP RFC

 

 

 

 

 

 

 

 

Financial Plans for 2024?

Financial Plans for 2024 with the Help of PPLI and EWP

Financial Plans for 2024 with the help of PPLI and EWP

In this blog post, we will discuss financial plans for 2024 and how Expanded Worldwide Planning (EWP) and Private Placement Life Insurance (PPLI) can help you navigate through financial crises and global recessions. These videos showcase the benefits of PPLI & EWP.

How can PPLI & EWP help you on a financial crisis? This video explains how PPLI & EWP can be utilized as financial tools to potentially provide protection and mitigate risks during a financial crisis. 

How can PPLI & EWP protect you from a global recession? This video highlights how PPLI & EWP can be used to potentially provide protection and mitigate risks during a global recession, especially for high-net-worth individuals. 

EWP for Tomorrow’s Global Leaders
This video showcases how EWP can help tomorrow’s global leaders improve the world. 

We hope that this blog post will provide you with valuable insights on financial planning and the benefits of PPLI & EWP. If you have any questions or would like to learn more about our services, please feel free to contact us. Thank you for choosing EWP Financial!

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP
Michael Malloy CLU TEP RFC

 

 

 

 

 

 

 

Maximizing Tax Efficiency with EWP and PPLI

 Unlocking International Wealth Planning

EWP and PPLI working together

In today’s era of tax transparency, we delve into the world of international tax planning and present a solution that can help families reduce their tax burdens while ensuring compliance with tax authorities. Welcome to the realm of Expanded Worldwide Planning (EWP) and the power of Private Placement Life Insurance (PPLI).

Gone are the days when tax codes mirrored ancient civilizations like Hatshepsut’s temple in Egypt. In our modern global economy, governments face the challenge of taxing individuals and businesses that extend beyond their borders. At EWP Financial, we are staunch advocates of EWP, which offers families a simplified framework through carefully structured PPLI policies.

Our approach encompasses innovative strategies, and one such element lies in the realm of in-kind premium payments. By partnering with insurance companies located in jurisdictions that accept non-cash contributions, we empower families to use their assets and businesses as premium payments, rather than relying solely on cash. This flexibility opens doors to significant tax savings without compromising compliance.

PPLI is a customized solution designed exclusively for families seeking tax advantages. Under this globally recognized and tax-favored umbrella, various asset classes can flourish. While PPLI is popular in the United States for tax optimization in securities, such as high-tax hedge funds, our expertise extends beyond borders to cater to the diverse international holdings of families. We construct adaptable structures that accommodate multiple asset classes, including companies, valuables, and collectibles, going beyond the realm of traditional securities.

Here are some fascinating facts to ponder, gleaned from sources like Wikipedia’s articles on “Tax” and “Taxation in the United States”:

– Ancient Egypt, during the First Dynasty around 3000–2800 BC, witnessed the first known system of taxation. The Pharaoh would tour the kingdom every two years, collecting tithes and maintaining records on limestone flakes and papyrus.

– Pre-French Revolution, effective tax rates in Britain exceeded those in France, mainly targeting international trade. In France, taxes were lower but weighed heavily on landowners, individuals, and internal trade, resulting in heightened resentment.

– Historically, taxes on the poor supported the nobility, whereas modern social-security systems aim to support the poor, disabled, or retired by levying taxes on those still actively working.

– The first federal income tax in the United States was introduced as part of the Revenue Act of 1861, although it lapsed after the American Civil War. In 1913, the Sixteenth Amendment to the United States Constitution allowed the federal government to levy income taxes on both property and labor.

As the adage goes, “There is no certainty like death and taxes.”

While we can’t assist with the former, EWP Financial is here to guide international families in harnessing the potential of PPLI. Discover how we can help you achieve tax compliance, enjoy tax deferral, and secure a tax-free death benefit—all while optimizing your wealth for generations to come.

Contact us today to embark on a journey towards maximizing your tax efficiency through EWP and PPLI.

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP
Michael Malloy CLU TEP RFC