Sophisticated Wealth Strategies Live Outside the Box
Financing Life insurance policy premiums
Tax minimization and eliminating capital gains
CASH FLOW continuity and Tax free income
“Money is the guarantee that we may have what we want in the future. Though we need nothing at the moment.” – Aristotle
Protect your clients’ assets
insure the future
Investment Advisors
Sky Gem helps you protect and grow your client’s capital so that they are never forced to liquidate held assets to cover the unforeseen bumps of life.
Legal Advisors
We assist in trust estates and work with legal advisors to assess, advise, and design strategies that protect their clients’ wealth.
Tax Advisors
Sky Gem offers sophisticated products to help eliminate capital gains taxes, hedge against the Estate Tax, and create a tax-deferred environment for your client’s capital.
Insurance Advisors
We work in partnership with Life and Annuity advisors to solidify their clients’ retirement income and preserve their capital through premium financing.
Personalized Service with a fiduciary mindset
Sky Gem offers innovative and tested solutions for tax-friendly asset protection. Our comprehensive team designs strategies around the individual and their family. Let us put our creativity to work for you.
Opportunities
Life Insurance in a Retirement Plan
A qualified retirement plan may purchase life insurance to provide death benefits. Such a purchase must be authorized by the plan document but the decision to buy a policy may be made by either the plan administrator (employer) or the participant. In a Defined Contribution plan, the policy is part of the participant’s account. In […]
What To Know About Disability Insurance
Among the many insurance policies you must carry from auto insurance and home insurance to health insurance, disability insurance isn’t a common consideration. However, disability insurance can be crucial in case you are rendered unable to work due to a disability. Some people believe that the government will adequately protect them through Social Security Disability Insurance (SSDI) […]
What is the Conversion Privilege on Life Insurance?
If you buy life insurance, read through the documents provided to you. It is essential to learn all terms and conditions. Most policies have some fairly difficult language. It can be confusing without some help from your agent. The conversion privilege is one area you need to consider. It is the ability and time limit you […]
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