Tax-efficient strategies for families, high earners and business owners, explained in plain English.
I help people use indexed universal life, annuities and executive bonus plans to build tax-advantaged retirement income, protect their families, and reward the people who keep their business running.
Hypothetical illustration only, not the performance of any product. Caps, floors and participation rates vary by carrier and policy and can change.
Every recommendation starts with your goals and your tax picture. These are the tools I use most.
Permanent life insurance with cash value tied to a market index. Growth is credited with a floor, so a down market doesn't erase your gains.
Good fit: high earners who've maxed out traditional retirement accounts.
Your business pays the premium on a policy owned by a key employee (or you). The bonus is generally deductible to the business, and you choose who participates.
Good fit: owners with meaningful annual tax liability and people they can't afford to lose.
Fixed and fixed-indexed annuities protect principal from market loss and can turn savings into income you can't outlive.
Good fit: people within 10–15 years of retirement who want certainty.
Term and permanent coverage that replaces income, pays off debt and passes wealth to the next generation with a generally income-tax-free death benefit.
Good fit: parents, business partners, and anyone with people depending on them.
A short check below tells us whether a strategy call makes sense for you right now. No sensitive information required.
We talk through your goals, taxes, timeline and what you already have in place. You'll leave understanding your options, whether or not we work together.
I shop the carriers, model a few scenarios, and walk you through illustrations side by side before you decide anything.
Before I became a licensed life insurance agent, I spent more than a decade founding and running companies. I've made payroll, dealt with surprise tax bills, and wondered how to keep my best people. That's the lens I bring to every client conversation.
Today I work with Purity Wealth Group, a Bay Area brokerage that puts education first. We aren't tied to one insurance company, so I can compare carriers and recommend what fits you.
“If you can't explain it on a napkin, you shouldn't buy it.”
A few quick questions. If a call makes sense, you'll pick a time on my calendar right away.
Choose a 30-minute slot below. You'll get a confirmation and a short prep email.
This agent's booking calendar isn't connected yet. Add it under Agents → Edit Agent Profile → Booking calendar link.
Based on what you shared, the strategies I design usually work best a little further down the road. The good news: you can start learning now. Join one of our free educational workshops to see how tax-advantaged strategies work and when they start to make sense.
No. An IUL is a life insurance policy. Your cash value isn't invested in the market; it earns interest based on an index's performance, subject to a cap and a floor. That's why a market drop doesn't reduce your credited value, and also why your upside is limited.
Cash value grows tax-deferred, and you can generally access it through policy loans, which aren't treated as taxable income while the policy stays in force. Loans accrue interest and reduce the death benefit, so the policy has to be designed and managed carefully. I'll show you exactly how this works in your illustration.
The business pays the premium as a bonus, which is generally tax-deductible to the business. The employee reports the bonus as income; many plans include a second "double bonus" to cover that tax. Your CPA should confirm the treatment for your business.
No. Calls happen by phone or Zoom. Product availability depends on your state, and I'm licensed in CA.
Nothing. I'm compensated by the insurance carrier only if you choose to buy a policy, and I'll be upfront about how that works.
Nico Spann is a licensed life insurance agent, License #4399467, licensed in CA. Insurance products are offered through Purity Wealth Group. Products and features are not available in all states.
Indexed universal life insurance is not a security or an investment in the stock market. Index-linked interest is subject to caps, participation rates and floors, which vary by carrier and policy and may change. Policy loans and withdrawals reduce cash value and death benefit, accrue interest, and may cause the policy to lapse; a lapse with an outstanding loan can create a taxable event. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
This site is for educational purposes and isn't tax, legal or investment advice. Consult your own tax professional or attorney about your situation.
