High-net-worth estate tax insurance strategies for Massachusetts families.
You've built significant wealth. We help Massachusetts families use ILITs, premium financing, dynasty trusts, and advanced life insurance design to reduce estate and income tax exposure, avoid probate friction, and keep their intentions enforceable for generations.
The risks that hit hardest in this season of life.
Massachusetts estate tax exposure starting at $2M , far below the federal threshold.
Illiquid wealth (business, real estate) forcing heirs to sell under pressure to cover taxes.
Outdated trusts, ILITs, or beneficiary designations that no longer reflect your intentions.
Family conflict and probate exposure undermining decades of careful planning.
Lack of liquidity at death , leaving heirs with bills they cannot easily fund.
No coordination between your attorney, CPA, and insurance strategies.
Advanced strategies built for serious wealth.
Every recommendation is coordinated with your attorney and CPA , and structured for the long horizon, not the next product cycle.
Irrevocable Life Insurance Trusts (ILITs)
Remove life insurance from your taxable estate while creating tax-free liquidity for heirs and estate taxes.
Survivorship (Second-to-Die) Life
Efficient coverage on a couple, designed to fund estate taxes and equalize inheritances at the second death.
Premium Financing
Leverage institutional capital to fund large policies without disrupting your existing assets or liquidity.
Trust-Owned & Charitable Strategies
Coordinate with CRTs, dynasty trusts, and charitable structures to preserve wealth and reflect your values.
MA Estate Tax Mitigation
Strategies designed around Massachusetts' aggressive estate tax , not just the federal exemption.
Business Exit & Wealth Transfer
Coordinate the sale of a business with trust structures so the proceeds compound for your family, not the tax authorities.
Questions worth asking yourself
- What's our actual Massachusetts estate tax exposure today , and in 10 years?
- If we died this year, where would the liquidity to pay estate taxes come from?
- Are our trusts, ILITs, and beneficiary designations still aligned with our intentions?
- Could a properly structured ILIT or survivorship policy reduce our heirs' tax burden by millions?
- Are our attorney, CPA, and insurance strategies actually coordinated , or operating in silos?
How we work together
- 1DiscoverConfidential review of your estate, holdings, trusts, and goals.
- 2DiagnoseWe model estate tax, liquidity, and transfer scenarios alongside your attorney and CPA.
- 3DesignWe architect ILIT, survivorship, and financed strategies tailored to your structure.
- 4DecideYou receive a coordinated plan reviewed alongside your attorney and CPA.
- 5ReviewAnnual reviews keep the plan aligned with law changes and family events.
The wealth you've built deserves a plan with the same level of intention.
Private, discreet, and coordinated with your existing attorney and CPA. Conversations are confidential and no-obligation.
Not quite the right fit? Explore other planning paths.