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

What does it take to transform a small startup into a global financial services company while building a culture that can scale through constant change?

In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews David Johnson, CEO & Founder of Vervent, who shares how he built Vervent from a small loan servicing company into a global financial services platform serving lenders, lessors, and credit providers. He explains the leadership principles that guided the company’s growth, including embracing discomfort, building strong teams, integrating acquisitions successfully, and evolving as an organization. David also discusses the future of financial services, including Vervent’s enterprise-wide AI transformation and how technology can create new efficiencies, opportunities, and better client outcomes.

Key Takeaways:

→ Starting a company during challenging economic conditions can reveal whether a business idea has true market demand.

→ Great leaders must evolve as their companies grow by shifting from having all the answers to building teams of capable people who can contribute expertise and perspective.

→ “Comfort with discomfort” can become a powerful cultural principle that helps organizations handle difficult conversations and challenging situations.

→ Successful acquisitions require more than cost-cutting. Companies create value by integrating people, culture, and capabilities to move the organization forward.

→ The hardest part of acquisitions is often the people integration, not the technology.

David Johnson spearheads the bold leadership that Vervent brings to clients and the industry. He drives our business and people forward with a penchant for innovation, a talent for developing expert teams, and a passion for creating impactful results.

Connect With David:

Website: https://www.vervent.com/

Facebook: https://www.facebook.com/Vervent/

Instagram: https://www.instagram.com/VerventSD/

LinkedIn: https://www.linkedin.com/company/verventsd/

X: https://x.com/verventSD

YouTube: https://www.youtube.com/channel/UCR5iV1H4bK4FNp-5JbAmz2Q

Selling a business can create life-changing wealth, but without the right planning, the transaction itself may be the easiest part of the transition.

In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Michael “Mic” Lundon, CEPA®, J.D., Founder and Managing Director of Evertern Wealth, who shares what business owners should consider years before a potential sale, including financial planning, tax strategy, estate planning, succession, and reducing the company’s dependence on the founder. He explains why a successful exit requires more than getting the highest offer and how owners can determine whether a sale will actually support the life they want afterward. Michael also explores how to manage wealth after a liquidity event, build the right advisory team, prepare for the emotional transition out of the business, and plan for future generations.

Key Takeaways:

→ Business owners should begin preparing for an eventual exit several years before they expect to sell, rather than waiting until a transaction is already approaching.

→ Exit planning should coordinate financial, business, tax, and estate planning so major decisions are not made under time pressure.

→ Entrepreneurs often have much of their wealth concentrated in their businesses and may need to relearn investing, tax planning, and estate planning after a liquidity event.

→ A successful exit depends on thoughtful planning, not simply completing the sale of the company.

→ Reducing dependence on the founder can make a business more transferable by creating strong management, documented processes, and broader organizational responsibility.

Michael “Mic” Lundon is the Founder and Managing Director of Evertern Wealth, where he provides portfolio management, financial planning, and guidance on estate, trust, and business transition matters. He works closely with business owners, senior executives, and multigenerational families, delivering personalized advice for clients with complex financial needs.

Connect With Michael:

Website: https://www.everternwealth.com/

LinkedIn: https://www.linkedin.com/company/everternwealth/

https://www.linkedin.com/in/michael-lundon-661b681/