• IMMEDIATE FINANCING ARRANGEMENTS
Unlock Capital.
Preserve Liquidity.
Build Tax-Efficient wealth.
For incorporated business owners and professionals, success creates a new challenge: how do you continue growing wealth without unnecessarily tying up capital or creating avoidable tax exposure?
Liquidity
PRESERVED
Regain access to capital that would otherwise be tied up.
Tax-Free
CDA FLOW
Death benefits may flow tax-efficiently through the CDA.
Deductible
POTENTIAL
Loan interest may be partially tax-deductible.
Legacy
BUILT-IN
Substantial after-tax wealth transfer to next generations.
• THE STRATEGY
What is an Immediate Financing Arrangement?
An IFA combines corporate-owned permanent life insurance, institutional lending, tax-efficient estate planning, and strategic access to capital — into a single coordinated structure.
The result is a strategy that can preserve working capital while simultaneously supporting wealth transfer, business continuity, and estate planning.
• BEST SUITED FOR
An IFA may be appropriate for…
Incorporated
Professionals
Doctors, lawyers, consultants with active corporations.
Entrepreneurs
Founders seeking tax-efficient estate & liquidity strategies.
High-Income Business Owners
Significant annual income with long-term planning horizons.
Corporations with Retained Earnings
Strong cash flow, borrowing capacity, succession needs.
IFAs are generally most effective for clients with significant annual income and long-term planning horizons.
• CORE BENEFITS
Transform insurance from a static expense into a strategic financial tool.
Preserve Corporate Liquidity
Preserve Corporate Liquidity
Rather than permanently tying up large amounts of capital inside an insurance policy, an IFA allows you to regain access to much of that capital through institutional financing — supporting business expansion, real estate, investment opportunities, working capital, and succession.
Potential Tax Advantages
Potential Tax Advantages
Depending on how the funds are used and how the structure is implemented: loan interest may be partially tax-deductible, policy growth may occur on a tax-advantaged basis, and death benefits may flow tax-free through the CDA to shareholders.
Long-Term Estate Efficiency
Long-Term Estate Efficiency
IFAs can help business owners create substantial tax-efficient wealth transfer strategies — while protecting corporate assets and preserving flexibility for future generations.
Leverage Without Liquidation
Leverage Without Liquidation
Many entrepreneurs don't want to sell investments or interrupt business operations to fund opportunities. IFAs can provide access to capital while allowing existing assets to remain invested.
• WHEN PROPERLY STRUCTURED
An IFA may help…
Improve capital efficiency across the corporation
Enhance after-tax estate value for shareholders
Preserve operational liquidity for the business
Support succession planning with predictable capital
Create tax-efficient wealth transfer opportunities
Strengthen long-term financial flexibility
• COMPLIMENTARY DISCOVERY
IFAs are sophisticated strategies requiring professional planning.
IFAs require careful planning, underwriting, lending coordination, and tax consideration. They are not appropriate for everyone and should always be evaluated alongside legal, accounting, and tax professionals.
UNDERWRITING
Comprehensive medical & financial review
LEGAL COORDINATION
Counsel reviews collateral & agreements
TAX REVIEW
Accountant validates corporate structure
LENDING
Institutional partner sized to balance sheet
• CORE BENEFITS
Helping clients create structures that support both present liquidity and long-term outcomes.
Comprehensive Strategy Analysis
We model the IFA inside your full financial picture, not in isolation.
Lender & Insurer Coordination
Direct relationships with institutional lenders and carriers.
Legal & Tax Collaboration
We work alongside your accountant and counsel — never around them.
Customized Estate Planning
CDA flow, beneficiary design, and intergenerational considerations.
Ongoing Strategic Review
Annual checkpoints to ensure the structure continues to perform.
Discrete & Confidential
Private wealth advisory standards across every conversation.
• COMPLIMENTARY DISCOVERY
A powerful strategy — but only when it's structured properly.
If you're a business owner, incorporated professional, or entrepreneur looking for more tax-efficient ways to preserve capital, grow wealth, and plan for the future — we'd be happy to explore whether an IFA fits your situation.