strength and endurance.
life for multi‑generational wealth.
What we Do?
We engineer intelligent insurance solutions that preserve wealth, create liquidity, and ensure legacy continuity.
Our work bridges the gap between insurance, estate planning, and capital strategy—delivering structures that perform with the same precision as the assets they protect.
Every recommendation is documented, transparent, and designed to integrate seamlessly with your broader financial plan.
Confidential & Transparent
We operate without carrier quotas or production incentives. Each analysis includes side-by-side comparisons of leading carriers, crediting options, and cost structures—so you and your advisors see the same data we do. Clarity builds confidence.
Diligence First
Our process combines actuarial modeling, policy stress-testing, and in-force optimization. Before implementation, we quantify projected outcomes under multiple market scenarios to ensure every structure performs as intended. Precision before promise
Advisor Collaboration
We coordinate directly with your attorney, CPA, trustee, and investment team, aligning insurance with trusts, liquidity plans, and investment mandates. The result: a cohesive, tax-efficient strategy that endures across generations. One plan. One language. One objective.
Who We Serve
Families & Family Offices
Multi-generational families with complex estates, private investments, and long-term legacy objectives. We design integrated insurance architectures that provide liquidity, reduce estate-tax exposure, and preserve continuity ensuring wealth transitions seamlessly and intentionally across generations.
Founders & Executives
Entrepreneurs and corporate leaders seeking to convert success into sustainable, tax-efficient wealth. Our strategies create smart liquidity without disruption, enabling buy-sell funding, key-person protection, and retirement income all while keeping capital growing in a tax-advantaged environment insulated from market volatility.
Advisors & Fiduciaries
We partner with wealth managers, attorneys, and CPAs who require a specialized insurance architect to complement their advanced planning strategies. RM Legacy Group delivers institutional-grade analysis, precise coordination, and transparent execution — strengthening advisor-client relationships through better structure and smarter outcomes.
Real Estate Developers & Investors
Professionals with significant real estate holdings and liquidity cycles who need intelligent, tax-efficient protection strategies. We design IUL and trust-based liquidity solutions that create immediate access to capital, offset estate-tax exposure, and ensure projects or portfolios are not forced into sale during periods of transition or inheritance.
Business Owners & Private Companies
Closely held companies and private partnerships seeking to protect enterprise value, reward leadership, and plan for succession. Our corporate insurance designs support buy-sell funding, executive bonus strategies, and key-person coverage — transforming insurance into a financial instrument that strengthens the balance sheet and secures continuity for decades.
Cross-Border Families & Global Entrepreneurs
Clients with assets, citizenship, or family members in multiple jurisdictions who require compliant, globally coordinated structures. We specialize in cross-border insurance planning that harmonizes U.S. tax law with international ownership frameworks — providing clarity, liquidity, and protection across borders while maintaining privacy and flexibility.
When Insurance Becomes Strategy
When designed with precision, insurance evolves from a simple product into a powerful financial instrument — one that provides liquidity exactly when it’s needed most, enhances estate-transfer efficiency, and preserves the integrity of family enterprises across generations.
At RM Legacy Group, we treat insurance as a core strategic asset within the broader architecture of your wealth plan — integrating it seamlessly with tax, estate, and investment strategies to maximize long-term value and control.
- Our Area of expertise:
- Private client life insurance design
- In-force policy review & optimization
- Estate and family governance integration
- Tax-efficient liquidity strategies
- Asset protection and risk mitigation
- Ongoing advisory & lifetime stewardship
Our Partners
RM Legacy collaborates exclusively with established, A-rated carriers and administrative providers recognized for financial strength, service quality, and long-term reliability.
Each engagement leverages this network to deliver consistent execution and compliance across every plan component.
plus 86 trusted carriers
