Specialized Insurance & Estate Planning

Civic Financial engages ultra-high-net-worth and high-net-worth clients in integrating life insurance as an asset into an overall financial plan. Our expertise helps enhances legacy transfers, cash accumulation, and philanthropic impact. Highly credentialed and deeply experienced, advisors at Civic Financial hold the following advanced planning designations: Chartered Advisor in Philanthropy (CAP®), Accredited Estate Planner (AEP®), Chartered Life Underwriter (CLU®) and Chartered Financial Analyst (CFA). Civic further consults on premium financing and life insurance trust design.

Expertise in:

  • Premium financed life insurance.
  • Trust owned life insurance and effective wealth transfer techniques.
  • Estate planning, tax efficient planning, capital gain tax planning, Generation Skipping Trust (GST) planning.
  • Cash repositioning techniques.
  • Philanthropic planning, effective gifting strategies, multi-generational coordination.
  • Socially responsible investing and environmentally conscious strategies.

Indirect Value-Added Services:

  • Connecting our clients with other trusted professionals: estate planning attorneys, accountants, mortgage brokers, real estate professionals, property and casualty insurance professionals, private bankers, etc.
  • Introduction for our firm’s existing clientele to our network for professional connections.
  • Social events sponsored by Civic Financial.
  • Access to competitive lending companies.

Financial representatives do not provide legal or tax advice.