How It Works A Simple, Structured Process Built Around Clarity
At Strategic Premium Finance, our role is not to sell products.
Our role is to help qualified clients understand their options clearly, calmly, and strategically before any decisions are made.
Our process is designed to protect you, your capital, and your long term plan.
How It Works
Step 1
Wealth Liquidity Fit Check
The first step is a short, no obligation conversation.
During this call, we determine:
- Your income and net worth profile
- How liquid your assets are today
- Whether premium financing or advanced planning may be appropriate
- If a deeper strategy discussion makes sense
This is not a sales call.
It’s a screening conversation designed to respect your time and ours.
Step 2
Strategy Call
If the initial fit check confirms alignment, we schedule a deeper planning conversation.
On this call, we review:
- Your current asset structures
- Business and investment concentration
- Estate and liquidity exposure
- Existing insurance or trust planning
- Potential strategy paths available to you
The goal is clarity, not commitment.
You’ll walk away understanding:
- What risks currently exist
- What planning options may be available
- Whether premium financing should even be considered
Step 3
Design & Coordination
If moving forward makes sense, we begin designing the strategy.
This phase may include:
- Coordinating with your CPA and attorney
- Reviewing trust structure requirements
- Evaluating carrier underwriting
- Introducing appropriate banking partners
- Stress testing the design
Nothing moves forward without full transparency and alignment.
Step 4
Implementation
Once the structure is finalized:
- Applications and underwriting are initiated
- Banking terms are reviewed
- Collateral requirements are outlined
- All parties remain coordinated
This phase is deliberate, not rushed.
Our priority is long term stability, not speed.
Step 5
Ongoing Monitoring
Premium financing is not a “set it and forget it” strategy.
Proper monitoring includes:
- Annual policy reviews
- Interest rate tracking
- Collateral position monitoring
- Strategy adjustments as life and markets change
We remain involved to help ensure the strategy stays aligned with your broader financial picture.
What Makes Our Process Different
Most advisors focus on transactions.
We focus on structure.
No pressure
No rushing
No one size fits all solutions
No isolated planning
Every strategy is evaluated within the context of your full financial life.
Important Note on Suitability
Premium financing is not appropriate for everyone.
It requires:
- Strong income
- Long term planning horizon
- Comfort with structure and monitoring
- Professional coordination
If it doesn’t make sense for your situation, we’ll say so.
That honesty is foundational to our process.
Start With Clarity
The first step is simple.
We’ll help you determine:
- Whether advanced planning is appropriate
- What risks exist today
- What options deserve consideration
The First Step Is Simple
Start With Clarity
- (305) 903-0363
- Serving South Florida & Nationwide
- Schedule Your 15 Minute Wealth Liquidity Fit Check
We’ll help you determine:
- Whether advanced planning is appropriate
- What risks exist today
- What options deserve consideration
- No obligation.
- No pressure.
- Just clarity.
Marc Gally Setton
Founder & CEO