The five component scalable Ponzi Scheme Victims Financial Disaster Recovery Program^sm/tm, includes:

1. restructuring the insurance portfolio, to reduce the premium burden and provide: access to cash, guaranteed monthly income ,estate planning and charitable commitment relief in tandem, to have it all , avoiding the tug of war with third party beneficiaries
   • plus, reconfiguration of the existing coverages ( or new coverage if applicable), into:
     • “trade down vehicles” defined as: lower cost coverages , equivalents of the more valuable or desirable policies, but which have fewer frills, lower value, and at a lower premium level.
     • "estate creation vehicles,” defined as: coverages intended to increase the present estate size, as opposed to provide estate tax liquidity, or as hedges.
     • “legacy replacement vehicles,” defined as: coverages intended to make legatees whole.
       
2. non-lawyer estate planning, using Insurance Based Solutions^sm/tm, and configuring Wealth Preservation Coverages^sm/tm, as hedges , as a standalone or working with trusts and estates attorney
   • plus, reconfiguration of the existing coverages ( or new coverage if applicable), into:
     • “unwinding vehicles,” defined as coverages used when disentangling from overly engineered estate planning instruments
     • “program completion vehicles,” defined as: coverages which replace failed or incomplete estate planning instruments , such as: Grantor Retained Annuity Trusts, equalization programs, or gift giving programs.
3. litigation support: support for litigators, to hold personal advisors accountable, for both : pre- Ponzi scheme uncovering, and post scheme uncovering, for actions taken/omissions , such as: not suggesting more appropriate estate planning tools , or not disclosing risks and mitigations such as: hedges, which may have mitigated against the Ponzi scheme losses
4. “retirement phase” synergies and efficiencies: deploying the remaining assets in the most efficient manner holistically to provide synergies to enable meeting more than one planning goal: living benefits + death benefits.
5. Third Party Beneficiary Services, helping:
   • victims plan their affairs as a family entity doing the best for all,
   • or helping children in tandem with the victims plan their affairs as a family entity doing the best for all,
   • or a child personally or in tandem with the other siblings,
   • or both,
   • help a victim negotiate with a charity or vice versa,

The firm:

• performs a comprehensive review of all insurance portfolio components;  connects and transforms each of the components into one cohesive and functional portfolio, creating synergies, in and out of the insurance portfolio
• performs damage control and recovery, starts the Financial Contingency and Disaster Recovery Plan^sm/tm to buy time the right way:
• finds and helps access potential “walled off/ non-obvious/ dormant” funds, for alternate liquidity sources, and alternate sources of premium 
• coordinates, assists in rescuing clients from unsuitable arrangements, estate planning commitments, and charitable commitments
• determines the optimum recovery ordering and timing ,for buying time / draw out /drawdown/ liquidation /reversing step down strategies , and coordinates the strategies’ execution,     
• identifies and mitigates the restructuring consequences on the children; intermediates between clients and children or represents the children only, negotiates with charities for clients,  and coordinates the mitigation execution
• reconfigures the portfolio components to perform multiple tasks in keeping financial independence and legacy intact, beginning with “you first “ , to provide: guaranteed income , longevity risk mitigation, qualified plans /IRA’ s minimum distributions/ , long- term care expense reimbursement , survivor protection, and wealth transfer , using  a single premium dollar to meet more than one planning goal.
• configures insurance coverages, to:
  • hedge outcomes not known for some time as failsafe including the portfolio being subject to claw backs,  
  • Husband estate planning arrangements, as hedges, or as adjustments, to shepherd specific bequests
  • Replace or as an alternative to, estate planning arrangements no longer workable or desirable
• secures, restores, or configures new estate creation and legacy replacement vehicles , meaning: vehicles which will make the legatees “whole” again  
  • shepherds around ‘institutional resistance” to portfolio restructuring , acts as the clients’ ombudsman in dealing with carriers / navigates through a myriad of obstacles and traps, such as:
    shifted potential conflicts, tax minefields, and uncertainties
  • provides Ponzi Scheme Vulnerability Audit^sm/tm: to uncover possible susceptibility and vulnerabilities to schemes in the future
    

Individual Services

Ponzi Scheme Victims Financial Disaster Recovery Program^sm/tm

• Insurance Portfolio Restructuring
• Portfolio Workouts /Retrenchments, most prominently Premium Relief
• Portfolio Fortifications/ Rehabilitations
• Rescues / Settlements
• Transfers /Exit Strategies
• Portfolio Updates/Optimizations
• More advanced:
  • Portfolio Funding/ Liquidity Sourcing
  • Tax Advantaging
• Even more advanced:
  • Portfolio Simplifications
  • Portfolio Goals <> Purpose Alignment
• Coverage (Re) configurations:
  • Trade down vehicles
  • Estate creation vehicles
  • Legacy replacement vehicles

Non-Lawyer Estate Planning

• Coverage (Re) configurations
  • Unwinding vehicles
  • Program completion vehicles

Litigation Support

Retirement Phase Synergies/Efficiencies  

• Guaranteed Income For Life
• Longevity Risk Mitigation
• Qualified Plans / IRA’s, Minimum Distributions/Distribution Planning
• Long Term Care Expense Reimbursement Alternatives
• Survivor Protection/ /  Providing for Hi-Lo Options
• Wealth Transfer/ Continuity

Third Party Beneficiary Services
Services for the Junior Generation

• “Will the Beneficiaries be Pleased with the Results?”  Acceptability Index
• Mining Older Relatives’ Unused Estate Exemptions
• Parents’ Wealth Preservation Plan
• Potential Heir Funding Liability Exposure/Unfunded Mandates, Analysis
• Non-Legal input on “Should I ‘sign off’ on these insurance changes, if I’m a trustee?/ sign “rights waiver” when trust is decanted?   
• Third Party/Honest Broker
• Non-Lawyer Reverse Estate Planning

Other Services:

Insurance Based Solutions

• Wealth Preservation Coverage Configurations
• Estate Equalization Tracking / Dilution Prevention With Multiple Heir
• Financial Contingency and Disaster Recovery Plan
• Financing the Funding Vehicle, and its Transfers
• Funding* Vehicle/Arrangement, Jump Master/Rescue Service
• Funding* Vehicles for Uninsurables
• Funding * Vehicles as  “Implicit Guarantor” / “Problem Preventor”
• Insurance Archeology
• Insurance Capacity Tracking
• Insurance Portfolio Acceptability Index
• Jump Master/Rescue Service
• Lazy-Asset Reenergizing
• Leveraging Gifts/  Targeted Gifting Strategies
• Long-Term Care Planning Alternatives
• Ponzi Scheme Vulnerability Audit  
• Qualified Plan/IRA as a Charitable Gifting Vehicle: Defined Benefit/Defined Contribution/401k
• Qualified Plan/IRA as an Expense Discounting Tool: Defined Benefit/Defined Contribution/401k
• Qualified Plan/IRA as a Funding* Vehicle: Defined Benefit/Defined Contribution/401k
• Qualified Plan/IRA as a Securing and Unlocking Business Value Tool: Defined Benefit/Defined Contribution/401k
• Qualified Plan/IRA as a Wealth Transfer Vehicle: Defined Benefit/Defined Contribution/401k
• Restricted Employee Planning: Distributions/Death Benefits
• Scaffolding/Bracing Process

Services for Hedges

• Amended Returns Adjustments + Credits Disallowance Hedge
• Below 2x Credit Hedge
• Charitable Trusts Insolvency Hedge
• Clawback Hedge ( including clawbacks from legatees)
• Contestability and Rescission Hedge
• Defined Benefit Funding Status Lump Sum Distribution Restriction Hedge
• Financial Reversal Hedge
• Disallowance of “Theft Loss” Hedge
• Revocable Trust Interim Hedge
• Roth-IRA Rollover Hedge
• Sale Via Structured Sales, SCINs, Private Annuity Hedge
• Step Down Strategies/ Tradedown Hedge
• Transferee Liability Hedge ( for gift/estate tax)
• Unintended Consequences Hedge
• Unrecoverable Asset Hedge
•  IRC Section 303/6166 Loss of Profile or Recapture Hedges

Tools

• Certainty Vulnerability Assessment
• Certainty Vulnerability Assessment for Junior Generation/ Beneficiaries
• Confidential Junior Generation/Beneficiary Questionnaire
• Family Meetings