Simply stated, Arbitrage occurs when a price discrepancy between two markets takes place and the result is a gain without risk.

Annuity / Life Arbitrage occurs when the pricing of a Single Premium Immediate Annuity coupled with Life Insurance results in cash-flow to the client that exceeds that of comparable income producing alternatives such as CDs and Bonds.

When implemented effectively this can produce a guaranteed lifetime income, that in some cases will exceed 10% on principle  -  without any market risk.

This approach is a very efficient wealth transfer strategy, in that the wealth that is passed at death is Income Tax free and Probate free - and, with simple planning, Estate Tax free.   Annuity / Life Arbitrage can also leverage assets so the wealth transferred at death in many cases can be doubled or tripled without market risk.

Our firm has been one of the foremost innovators over the last 20 years in finding value for our clients.  Our clients are each an individual, unique case.  We have gained an understanding of financial management tools second to none.  There are many refinements for each client's situation that are possible, depending on their goals.  We bring these opportunities to many people, perhaps you and your family, too. 
Use this website, and learn from our free seminars.  Please contact us anytime if you have questions.

Thank you for your interest.