About Us
Intelligent insurance. Enduring legacy.
RM Legacy Group exists to solve a problem that is far more common than most clients realize. Insurance decisions at the highest levels of wealth are routinely made in isolation, disconnected from the estate plan, the tax strategy, and the investment framework they are supposed to serve. The result is a portfolio of policies that protect on paper but underperform in practice.
We built a boutique, independent advisory to change that. At RM Legacy Group, insurance is not a product we sell. It is a precision financial instrument we engineer, one that protects capital, creates liquidity, and strengthens continuity across generations. We deliver what truly preserves wealth: attention, discretion, and institutional rigor.
We are not quota driven. We are outcome driven, measured by the clarity we create today and the legacy we help build for decades to come.
Leadership & Team
We are a team of specialists with deep backgrounds in underwriting, estate planning, tax strategy, and investment management. When an engagement requires additional depth, we extend your bench with a curated network of actuaries, advanced planning attorneys, medical underwriters, valuation experts, and subject-matter specialists assembled specifically for your situation.
The result is an advisory that behaves far more like a family-office partner than an insurance agency: quiet, analytical, and relentlessly focused on your outcomes.
partner than an insurance agency quiet, analytical, and relentlessly client-focused.
What clients experience:
White-glove communication and rapid response at every stage of the engagement Unbiased product vetting across our network of 93 carriers and structures Documentation precise enough to stand up in a boardroom, a family council, or a courtroom
Philosophy & Approach
Planning‑First – Every engagement begins by mapping your values, objectives, liquidity needs, and current structures in full. Recommendations follow strategy. Strategy never follows a product.
Personal Risk Architecture – We design insurance as a coordinated portfolio of protection and liquidity, calibrated specifically to private company interests, real estate holdings, concentrated positions, and cross-border considerations.
Fiduciary Stewardship – We operate independently and align exclusively to your interests. Carrier selection and policy design are driven by cost efficiency, structural durability, and fit, never by distribution quotas or production incentives.
Committee‑Style Process – Every engagement culminates in an investment-committee-style analysis memo covering options, costs, crediting assumptions, underwriting posture, carrier financial strength, and our specific recommendation, so you and your advisors can make decisions with full confidence and complete information.
Our Team
Intelligent insurance. Enduring legacy.
Rodrigo Jimenez
Barry Schwarzberg Esq
Walter Jenkins
Isabella Lopez
David Coyman
Our Client Process
Discovery & Private Consultation
A deep, confidential conversation covering your goals, family dynamics, estate and tax picture, liquidity priorities, and existing structures. We listen before we recommend.
Analysis & Strategy Design
Side-by-side carrier modeling, policy stress tests across multiple market scenarios, and full integration with existing trusts, entities, and advisor relationships.
Execution & Coordination
White-glove underwriting management and seamless coordination with your legal counsel, CPA, trustee, and wealth management team from submission through policy delivery.
Ongoing Stweardship
Periodic in-force reviews, allocation tuning, policy optimization, and reporting that keeps your strategy aligned as life, markets, and objectives evolve over time.
What Makes Us Different
Independent & Carrier-Agnostic
No quotas. No production incentives. We select structures entirely on merit, evaluating cost efficiency, structural flexibility, and long-term durability across our full carrier network.
Institutional-Grade Engineering
Actuarial modeling, policy-cost compression, diversified indexed crediting, and income distribution design built to stand the test of time and survive multiple market cycles.
Deliberately Limited Roster
We work with fewer clients by design. Deeper relationships produce better outcomes. We measure our success in decades, not quarters, and in legacy, not transaction volume.
In-Force Expertise
Policy rescue, structural redesign, and 1035 exchange work that transforms stagnant, underperforming policies into high-efficiency assets, before a single new dollar is committed.
Family-Office Coordination
We integrate directly with attorneys, CPAs, trustees, private bankers, and CIOs, ensuring one cohesive plan, one shared language, and one unified set of objectives across the entire advisory team.
Stewardship, Not Sales
Ongoing monitoring, proactive memos, and annual reviews keep every policy precisely aligned as life circumstances, tax laws, and market conditions change over time.
How We Work With Advisors & Fiduciaries
At RM Legacy Group, we serve as the insurance architect embedded within your advisory team. Our process is deliberately transparent and documentation-intensive, designed so that investment advisors, attorneys, and CPAs can evaluate our recommendations with the same analytical rigor they apply to any other asset class or planning strategy.
Every engagement produces clear, well-organized memos, editable analytical models, and prompt coordination at every stage. No surprises. No siloed decisions. No recommendations that cannot be fully explained and independently verified by your existing advisors.
Credibility & Safeguards
Carrier Due Diligence
We evaluate every carrier on financial strength ratings, balance-sheet quality, product history, option-budget integrity, and long-term claims-paying reliability. Only carriers that meet our full institutional standard are presented to clients.
Cost Discipline
We pursue the minimum viable insurance charges consistent with each client's goals and compliance requirements, ensuring that every dollar of premium is working as efficiently as possible toward the intended outcome.
Distribution Design
Every income illustration reflects realistic loan mechanics and crediting assumptions, stress-tested across multiple scenarios so that projected distributions are both credible and sustainable over the full distribution horizon.
Governance
Ownership structures, beneficiary designations, and trust coordination are drafted with precision to support each client's estate objectives, trustee practicality, and long-term governance framework.