First Financial Securities has partnered with NIW Companies to offer premium finance solutions to our clients. NIW Companies specializes in innovative estate, business, and retirement planning solutions for high net-worth or high-income earning professionals using bank financing to enhance the clients’ benefits. NIW combines extensive industry expertise and alternative thinking to offer financial solutions that are high quality, durable, and cost-effective. NIW does annual servicing performance reviews on all clients making NIW’s plans sustainable in all aspects. This commitment to excellence has enabled NIW to secure over $5 billion in loans and to achieve the highest persistency rate in the insurance industry.
For highly compensated professionals, protecting earnings is critical to saving for retirement. Due to limitations, traditional retirement plans are typically insufficient for high income earners. If highly compensated professionals wish to maintain their lifestyle in retirement, they require a proactive strategy that puts more money toward protecting future income without putting a drain on current finances.
Life Strategies gives high net worth individuals a way to finance life insurance typically used to cover future estate taxes by allowing the client to pledge collateral instead of paying premiums out of pocket. This estate planning strategy allows clients to keep control of their assets, grow their assets, and potentially leave more for future generations. Life Strategies also allows families more options and flexibility for succession planning, buy-sell agreement, and key man applications. Li
Tri-Zen is a pre-tax benefit strategy for C-Corporations and not-for-profit organizations that uses financing to offer a wide range of benefits. Because most of the money required to finance Tri-Zen comes from a third party lender, Tri-Zen brings substantial new money to the table in order to afford more benefits.
CashStream is an innovative approach to creating funding for long-term employee incentive plans without draining cash flow from the corporation. These proprietary solutions allow the employer to informally fund the executive supplemental retirement, key man, buy sell, and succession planning strategies by bringing new money to the table while providing robust designs that survive harsh economic environments. It involves 100% financing for those companies that have assets, but do not wish to liq
Multi-Gen is an inter-generational strategy for individuals with a “rated” or uninsurable status. This strategy allows you to put a highly effective estate plan in place of your beneficiaries, at a fraction of the cost. You insure your beneficiaries, allowing bank financing to provide the cash for the premium. Whether you’ve got a property portfolio, or a privately held family business; Multi-Gen gives you a cost effective alternative to preserve the family legacy.
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