Substantial wealth. A separate question about cash.
When wealth is tied up in a business or real estate, future cash needs deserve their own attention. Marc Setton brings an insurance-focused perspective to that question, working alongside your existing advisors.
Premium financing may be one option. It isn't the starting point.
A strong balance sheet doesn't answer every cash question
A company may be valuable and still need its working capital. A property may produce income without being easy to sell. Cash held in a trust or business may not be available to the person who needs it.
Estate liquidity concerns the funds available to meet an estate’s obligations when they arise. The useful question is how much cash can be accessed, by whom, and when—not just what the assets are worth.
When this deserves a closer look
Your business is a large part of your family’s wealth
You may want the company to keep operating while ownership changes. That raises funding questions separate from the business valuation or succession documents.
Your wealth is concentrated in property
Equity in a building is different from cash available for estate expenses. Debt, ownership arrangements and the time needed for a sale all deserve attention.
You don't need to assume there is a shortfall.
You need enough information to find out.
A focused contribution to your existing plan
As an Estate Liquidity Strategist, Marc helps frame the cash question and explore whether an insurance-related discussion belongs in the next step. He works alongside the professionals responsible for your legal, tax and investment decisions.
That can mean asking how existing coverage fits the need, what an insurance approach would require, or why another funding route should be considered first. A conversation does not commit you to a policy or a loan.
Consider the funding choices before the financing
Available cash, investments, a planned sale, borrowing and life insurance can serve different purposes. Each has costs and limits. The right comparison starts with the timing of the obligation and the resources the family can actually use.
Life insurance premium financing is narrower: a separate loan funds insurance premiums. It adds interest, repayment obligations and possible collateral demands. It does not make insurance free or remove the need for accessible funds.
For professional advisors
An estate plan, a tax estimate and an insurance proposal answer different questions. Marc’s role is to contribute to the insurance and funding discussion, not replace your advice or take over the client relationship.
You can begin with a general planning question. There is no need to send client-identifying information to explore whether further discussion would be useful.
Know who you are speaking with
Marc Setton is the person behind Strategic Premium Finance. Estate Liquidity Strategist describes his focus; it is not a legal, tax or investment-advisory credential.
Marc does not charge a separate planning, advisory or consulting fee for the work described by Strategic Premium Finance. If a client chooses to proceed with and implements an applicable insurance policy, Marc is compensated by the insurance company as the insurance agent. Insurance, financing and other professional services may involve their own costs.
SPF does not provide legal, tax, accounting or investment advice.
Start with the question you want answered
The first conversation is about your concern, the advisors already involved and whether further insurance-focused discussion makes sense. You do not need to arrive with a chosen strategy.