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IlliquidEstate
Illiquid Estate

Your estate looks great on paper.
The IRS will want cash.

A modern UHNW firm for the illiquid estate problem — with the five archetypes this category actually serves, not one monolithic pitch.

Why it matters now
The 2026 federal estate-tax exemption is legislated to revert to roughly half its current level on January 1, 2026. Families at $10M+ have an approximately 20-month window to restructure gifts, trusts, and life-insurance coverage before the exemption contracts — and closely-held owners have a specific, documented liquidity problem on top of it.
Find your archetype

Five silos. One answer.

For business owners

Business owners planning succession

"Your estate looks great on paper. The IRS will want cash."

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For post-liquidity founders

Post-liquidity entrepreneurs

"You sold the company. Now what?"

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For concentrated-equity executives

Concentrated-equity executives

"24 months before your IPO are your biggest estate-planning window."

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For family offices

Generational wealth families

"Family offices audit investments quarterly. Most audit insurance never."

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For charitable-legacy-first donors

Charitable-legacy-first donors

"The IRS takes a bigger share of your charitable legacy than you think."

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Methodology

Show the math. Name the advisors. Disclose the compensation.

We publish our methodology openly — illustration framework, lender-spread math, recourse vs. non-recourse, when premium financing does not work. Compliance as visible integrity, not hidden boilerplate.

Illustration methodology

How we frame guaranteed vs. non-guaranteed elements in every illustration, and what happens when assumptions don't hold.

Lender spread and recourse

Plain-English explanation of the interest-rate mechanics, collateral structure, and why our arrangements are strictly recourse.

When premium financing does not work

The honest list of cases where PF is the wrong answer — and what we recommend instead.

Compensation disclosure

Named advisors. Named carriers. Disclosed spread. No hidden loadings.

Start here

Before the IRS does.

A 3-minute estate-liquidity diagnostic. You get a personalized report and a private 45-minute review with a named advisor.