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

 

 

 

 

 

 

 

 

EWP Financial and Partner Companies

About EWP Financial and Its Team

EWP Financial and its partner sites

In this blog post, we will talk about Michael Malloy, EWP Financial, its predecessor companies, its main team, Private Placement Life Insurance (PPLI), and Expanded Worldwide Planning (EWP). Let’s get started.

About Michael Malloy:

Michael Malloy, the founding partner of EWP Financial, began his career over 40 years ago as a risk management consultant. He has published the Life Insurance Law Newsletter and written two books on Private Placement Life Insurance (PPLI): “The PPLI Papers” and “The Wit and Wisdom of Professor PPLI.” He manages several companies and websites, including Malloy Insurance Services, Advanced Financial Solutions Inc., Michael Malloy Solutions, and EWP Financial.

“We take intentional care of wealthy families all over the world.” – Michael Malloy

Michael Malloy is a Charter Life Underwriter (CLU), Trust and Estate Practitioner (TEP), and Registered Financial Consultant (RFC).

About EWP Financial and its Predecessor Companies Working Together

Some of these names will be familiar to you: Malloy Insurance Services, Advanced Financial Solutions Inc., Expanded Worldwide Planning, Michael Malloy Solutions, and EWP Financial.

EWP Financial (ewp-financial.com), Michael Malloy Solutions (michaelmalloy.solutions), and Expanded Worldwide Planning (expandedworldwideplanning.com) have been on the internet for several years.

These companies serve as parent companies to oversee various operations under the supervision of Michael Malloy.

Malloy Insurance Services (MIS) was founded in 1985 and provides commercial and personal insurance. MIS specializes in the placement of difficult and complex insurance risks.

For example, MIS has had a liability policy in place for over 30 years for a non-profit corporation. This organization has established over 100 branches in 64 sovereign nations throughout the world.

The roots of Advanced Financial Solutions Inc., based in New York, reach back over 30 years. Its mission addresses the current paradox of striving to achieve full compliance in tax transparency while also providing clients with both privacy and tax savings.

AFS is the original corporate entity that promotes Private Placement Life Insurance (PPLI), which provides wealthy families with the maximum amount of privacy, asset protection, and tax efficiency.

Michael Malloy Solutions provides a clear, unified voice for all our entities to educate wealthy families and professional advisors on how to enhance privacy and gain the maximum amount of asset protection and tax efficiency while staying compliant with tax authorities worldwide.

EWP Financial is our latest development, a specialized company that offers services in Private Placement Life Insurance (PPLI) and Expanded Worldwide Planning (EWP). PPLI is a type of life insurance designed for high net worth individuals, providing customized investment solutions and tax-efficient planning. EWP is a unique approach to financial planning that takes into account the complexities of cross-border investment and taxation, helping clients achieve their global wealth management goals. With a team of experienced professionals and a commitment to personalized service, EWP Financial is dedicated to helping clients achieve their financial objectives with confidence and peace of mind. There are offices in New York, the British Virgin Islands, and California, ready to answer your questions.

About Our Team

Our Regional Representatives are highly experienced and knowledgeable in the financial industry, and they have a deep understanding of the local market and cultural nuances of their respective regions. They are committed to providing our clients with tailored financial solutions that meet their unique needs and requirements.

Here, you can get a glimpse of the main team members who work together to provide you with the best financial solutions to help you achieve your goals.

Please Contac Us for any questions you may have.

Thank you.

 

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

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

 

Video 5 – EWP: The Deep Internal Design – Did You Know This About PPLI & EWP?

EWP: The Deep Internal Design

PPLI Is a Cornerstone of Stability

Did you know this about PPLI & EWP? - 5

In this Episode we explain the elements that comprise a successful EWP Asset Structure. We also reveal why an EWP Asset Structure always outperforms a taxable investment. Our conservative and straightforward approach to asset structuring gives you the maximum amount of tax efficiency, asset protection, and privacy. This is why an EWP Asset Structure has the reputation as the best asset structure available today for wealthy families worldwide.

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

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

 

 

 

 

 

 

 

 

 

 

PPLI & EWP Basics – EWP and PPLI: A Unity of Assets and Life Insurance – Video 4

Did You Know This About PPLI & EWP? – Episode 4 – Life Insurance: The Magic Ingredient

Private Placement Life Insurance (PPLI) In Action

#EWP and #PPLI: A Unity of Assets and Life Insurance

A PPLI asset structure is arguably the most efficient structure available today for wealthy families who wish a conservative and efficient structure to integrate tax-free investment growth, wealth transfer, and asset protection.

READ FULL BLOG POST WITH DETAILS

 

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

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

 

 

 

 

 

 

 

 

 

 

Did You Know This About PPLI & EWP? – In-Kind Premiums – Episode 2

In-Kind Premiums Transfers & EWP

Did You Know This About Private Placement Life Insurance and Expanded Worldwide Planning?

Fundamentals of PPLI and EWP

In-Kind Premiums Transfers and EWP

Welcome back to our series: Did you know this about PPLI and EWP? Today we highlight one unique feature of Expanded Worldwide Planning, or EWP for short. A powerful element of our EWP asset structures is the ability to accept in-kind premiums. This means that you can contribute almost any asset class to a properly designed EWP asset structure. This includes real estate, investments like private equity and hedge funds, as well as art and other collectibles.

Watch EPISODE 1

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

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

 

 

 

 

 

 

 

 

 

The Metaverse – EWP and PPLI – Video 3

The Metaverse Video Series

The Metaverse Video 3

Transform Your Assets Inside an EWP Metaverse

PPLI Is Your Partner in Creating Financial Strength and Stability

 

The metaverse is a concept that has been thrust into our lives. Is it something new and or just a fad that will die out in a few years? At EWP Financial we are creating our own metaverse that has at its foundation the rock-solid Six Principles of EWP. In this video, through compelling images and concise dialogue, we explain how these Six Principles can create for you a financial future that beneficially transforms your own assets for tax efficiency, privacy, and asset protection.

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

Michael Malloy-CLU-TEP

 

 

 

 

 

 

 

 

 

 

 

Did You Know This About PPLI and EWP? – The Frozen Cash Value Policy Design – Episode 1

Fundamentals of PPLI and EWP

New Video Series by Michael Malloy CLU TEP RFC

Did You Know This About Private Placement Life Insurance and Expanded Worldwide Planning?

Contest 1

The Frozen Cash Value Policy Design

Welcome. Being a winner is like standing tall on top of a mountain, like the woman here. We invite you to be a winner in our new series entitled: Did you know this about PPLI and EWP? What do you have to do? You win by submitting the best answer to this question:

For U.S. taxpayers, what section of the tax code pertains to the frozen cash value policy design, and how does the language of this code section sanction this design?

What will you win? Alas, not a villa on Italy’s Amalfi coast, but you will receive a PPLI/EWP Token which can be redeemed for one of our unique NFT images.

Please submit your answers to info@ewp-financial.com. Best of luck on answering our questions. Thank you for listening.

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

Michael Malloy-CLU-TEP

 

 

 

 

 

 

 

 

 

The Expanded Worldwide Planning Stories Video Series – Part 3 – Episode 4 – Tax Shield 4

Tax Shield 4 – Episode 4 – Part 3 – The EWP Stories Video Series

International Tax Planning

Introduction

Welcome. As advisors, we concentrate on the ‘shield’ aspect of the term Tax Shield. A Tax Shield is a main principle of Expanded Worldwide Planning, or EWP for short. We will now speak about the ‘tax’ aspect of our subject. What is the history of this thing we wish to shield? Here is a very brief history of taxation, mostly in the U.S. context.

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

Michael Malloy-CLU-TEP