Estate Liquidity Planning for Wealth Advisors
Supporting Advisors and Their Clients Through Collaborative Planning
Wealth advisors often serve as the quarterback of a family's financial life.
Clients trust their advisors with decisions involving:
- Investment management
- Wealth transfer
- Family legacy
- Estate planning coordination
- Business succession
- Risk management
- Long-term stewardship
Yet one challenge is frequently overlooked:
Liquidity.
Strategic Premium Finance works alongside wealth advisors to help clients evaluate liquidity risks that may affect broader planning objectives.
Our goal is simple:
Protect the plan.
Preserve the assets.
Strengthen the client relationship.
Situations Where Collaboration Can Add Value
Business Owners
Clients whose wealth is concentrated inside operating companies.
Real Estate Investors
Families with significant equity tied to investment properties.
Multi-Generational Families
Long-term wealth transfer concerns.
Estate Tax Exposure
Preparing for future liquidity obligations.
Family Partnerships
Complex ownership structures requiring coordination.
Succession Planning
Protecting continuity across generations.
Equalization Planning
Helping families balance inheritances among multiple heirs.
Our Role
Strategic Premium Finance is designed to complement—not replace—the existing advisory team.
We do not manage investment portfolios.
We do not replace the wealth advisor relationship.
We do not seek to disrupt established client relationships.
Instead, our role is to:
- Help identify liquidity risks.
- Provide educational resources.
- Coordinate with advisors.
- Support planning discussions.
- Assist with long-term monitoring.
The wealth advisor remains central to the relationship.
Collaboration Philosophy
The best outcomes occur when professionals work together.
Successful planning engagements often involve:
- Wealth Advisors
- Estate Planning Attorneys
- CPAs
- Bankers
- Trust Officers
- Insurance Specialists
Each professional contributes expertise while maintaining their respective responsibilities.
Why Wealth Advisors Appreciate Collaboration
Clients benefit from:
Better Coordination
Professionals working toward common objectives.
Asset Preservation
Helping protect concentrated wealth.
Greater Flexibility
Creating options rather than urgency.
Stronger Family Outcomes
Reducing disruption and preserving continuity.
Improved Client Experience
Providing access to specialized resources without replacing trusted relationships.
Educational Resources Available
Wealth advisors and their clients may benefit from:
Estate Liquidity Planning Guide
Understanding the hidden risk behind illiquid wealth.
Liquidity Gap Worksheet
Comparing net worth with available liquidity.
Annual Review Checklist
Maintaining planning alignment over time.
Advisor Collaboration Guide
Helping professionals work together effectively.
Case Studies
Illustrative planning examples involving business owners and affluent families.
Books by Marc Setton
Legacy Without Liquidation
Protecting Family Wealth When Cash Is Needed Most
The Estate Liquidity Operating Manual
A Practical System for Business Owners, Real Estate Investors, and Affluent Families
The Advisor's Guide to Estate Liquidity Planning
Helping Trusted Professionals Better Serve Affluent Clients
Typical Client Profiles
Entrepreneurs
Business owners with concentrated wealth.
Real Estate Investors
Families with substantial property holdings.
High Net Worth Families
Individuals seeking long-term wealth preservation.
Multi-Generational Families
Families focused on legacy and continuity.
Family Offices
Complex situations requiring coordinated planning.
About Marc Setton
Marc Setton is the founder of Strategic Premium Finance.
His background includes:
- Accounting and Finance education from Florida Atlantic University.
- Experience with BDO USA in Core Tax Services.
- Financial services experience.
- Analytical and process-driven advisory work.
His philosophy emphasizes:
Education
Collaboration
Stewardship
Long-Term Thinking
We Support. We Do Not Replace.
Strategic Premium Finance seeks to become a trusted resource that wealth advisors can confidently introduce when estate liquidity planning becomes an important consideration.
The objective is not to replace the relationship.
The objective is to strengthen it.
Let's Collaborate
If you are a wealth advisor serving business owners, real estate investors, and affluent families, Strategic Premium Finance welcomes the opportunity to share ideas and support your planning process.
Start With a Structured Review
A confidential evaluation designed to determine whether estate liquidity strategies may align with your current balance sheet and long term objectives.
These strategies are evaluated selectively and are not appropriate for all financial profiles.
Book Your Free Private Strategy Call
Confidential. No obligation.
- (305) 903-0363
- Marc@strategicpremiumfinance.com
Begin Your Estate Liquidity Planning Process
Understanding the estate liquidity planning process allows you to make informed decisions with confidence and control.
Estate liquidity planning is not about making immediate decisions.
It is about understanding your position clearly and evaluating the right structure if one is needed.
The first step is simply a conversation.
Book Your Free Private Strategy Call
Confidential. No obligation.
- (305) 903-0363
- Marc@strategicpremiumfinance.com