A Disciplined Approach to Liquidity & Legacy Planning
Strategic Premium Finance is a planning-focused advisory firm that helps qualified individuals evaluate advanced liquidity strategies using bank-backed life insurance structures.
Our role is not to sell products, speculate, or replace existing advisors.
Our role is to support thoughtful, long-term planning decisions through careful evaluation, professional coordination, and ongoing monitoring.
We work alongside clients’ existing CPAs, estate planning attorneys, and lending institutions to help determine whether premium financing fits appropriately within a broader financial and estate planning framework.
Our Philosophy & Approach
Premium financing is complex. It requires discipline, conservative assumptions, and coordination across multiple professionals.
Our approach is built on five core principles:
Planning Before Product
Every evaluation begins with the client’s broader objectives liquidity needs, estate considerations, risk tolerance, and time horizon not with an insurance illustration.
Risk-First Evaluation
Interest rate exposure, collateral requirements, policy performance assumptions, and exit strategies are reviewed upfront. If the risk profile does not align, we do not proceed.
Conservative Assumptions
We favor conservative modeling, stress testing, and long-term sustainability over optimistic projections.
Coordination With Existing Advisors
We do not operate in isolation. Strategies are evaluated in coordination with the client’s CPA, attorney, trustee, or advisory team when appropriate.
Education Over Sales
Our process is designed to create clarity. Clients should understand what a strategy does and what it does not do before making any decision.
About the Founder
Marc Setton
Founder, Strategic Premium Finance
Marc Setton brings a planning focused approach to evaluating premium financing strategies for qualified clients. His work centers on helping individuals and business owners understand how bank-financed life insurance structures may support long-term liquidity, estate planning, and capital preservation goals.
Professional focus includes:
- Premium financing strategy evaluation
- Liquidity and estate planning coordination
- Bank-backed life insurance structures
- Advisor and professional collaboration
Client Philosophy:
Each engagement begins with education, proceeds with caution, and prioritizes alignment with the client’s broader planning team and objectives.
Who We Work Alongside
Strategic Premium Finance is designed to complement — not replace — existing professional relationships.
We regularly coordinate with:
Certified Public Accountants (CPAs)
Estate Planning & Tax Attorneys
Bank Lending Partners
Trustees & Trust Administrators
Family Offices and Advisory Firms
This collaborative structure helps ensure strategies are reviewed holistically and implemented responsibly.
Oversight & Ongoing Monitoring
When a strategy moves forward, oversight does not stop at implementation.
Our involvement may include:
- Periodic strategy reviews
- Interest rate and loan structure monitoring
- Policy performance review
- Coordination with advisors as conditions change
Premium financing is not a “set-and-forget” strategy. Ongoing review is essential.
A Thoughtful Starting Point
Strategic Premium Finance is not for everyone.
Not every client qualifies, and not every situation makes sense.
If you are exploring whether premium financing fits within a broader planning strategy and would like an informed, pressure-free conversation we offer an initial clarity discussion.