What if there was a wealth strategy designed to help high-net-worth individuals grow assets more efficiently, reduce taxes, and create a more powerful legacy plan?

In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Michael Malloy, CLU, TEP, RFC, Founder & Chief Advisor of EWP Financial, who explains how private placement life insurance (PPLI) works and why it has become an advanced planning strategy for high-net-worth individuals and families. He shares how PPLI combines tax planning, estate planning, and investment strategies to help clients pursue tax-efficient growth and generational wealth transfer. Michael also discusses who PPLI is designed for, why clients should understand the strategy before implementing it, and how educated clients can determine whether it aligns with their financial goals.

Key Takeaways:

→ What private placement life insurance (PPLI) is and why many successful entrepreneurs have never heard of it.

→ How PPLI can combine advanced tax planning and estate planning strategies into one structure.

→ Why PPLI is often compared to an “unlimited Roth IRA” for certain high-net-worth clients.

→ Who may be an ideal candidate for PPLI and who may not benefit from the strategy.

→ How investor control rules and diversification requirements impact PPLI structures.

With more than 40 years of experience, Michael advises ultra-high-net-worth families on international tax planning, asset protection, risk management, and cross-border wealth strategies.

Connect With Michael:

Website: https://www.ewp-financial.com/

LinkedIn: https://www.linkedin.com/in/michael-malloy-clu-tep-rfc7331a744/

X: https://x.com/EwPfinancial

YouTube: https://www.youtube.com/@EWP-Financial