Creative Strategies

The Melanie Plan

Clear all taxes at death (capital gains taxes, income taxes, etc.) or significantly augment your estate without costing you anything

Tax free asset transfer

From your generation to your children/grandchildren with the assets fully available to you and tax sheltered during your lifetime, with double-digit compound annual returns with half the volatility of a Government bond

Income Bond

Earn a lifetime guaranteed rate of approximately 8, 10, 12%, ++ with capital protected for family.

Create a significant charitable endowment

– Without using any of your cash

– Cut your existing life insurance premiums in half

– Still maintain 100% of your coverage for family/estate/business

– Receive a large donation from our government

Set up “corporate” income bonds


Corporate Estate Bond


Corporate Insured Retirement Program


Corporate transfer of wealth “tax free” to the next generation


Employee bonus program

Provides a greater benefit for employees than a traditional bonus. Significant benefits to employer as well.

Repatriate 100%

Repatriate 100% of your foreign funds to your families and enjoy, use/investment of the majority of those funds now!

No more life insurance premiums


Corporate wage loss replacement program


Generate 50% – 200% more net income from your capital guaranteed for life


Life insurance funding with no change to your personal or corporate balance sheet


Immediate Financing Arrangement providing life insurance benefits without requiring any cash flow


Creative Strategies

The Melanie Plan

Clear all taxes at death (capital gains taxes, income taxes, etc.) or significantly augment your estate without costing you anything

Tax free asset transfer

From your generation to your children/grandchildren with the assets fully available to you and tax sheltered during your lifetime, with double-digit compound annual returns with half the volatility of a Government bond

Income Bond

Earn a lifetime guaranteed rate of approximately 8, 10, 12%, ++ with capital protected for family.

Create a significant charitable endowment

without using any of your cash
  • cut your existing life insurance premiums in half
  • still maintain 100% of your coverage for family/estate/business
  • receive a large donation from our government

Set up “corporate” income bonds


Corporate Insured Retirement Program


Corporate transfer of wealth “tax free” to the next generation


Corporate Estate Bond


Employee bonus program

Provides a greater benefit for employees than a traditional bonus. Significant benefits to employer as well.

Repatriate 100%

Repatriate 100% of your foreign funds to your families and enjoy, use/investment of the majority of those funds now!

No more life insurance premiums


Corporate wage loss replacement program


Generate 50% – 200% more net income from your capital guaranteed for life


Life insurance funding with no change to your personal or corporate balance sheet


Immediate Financing Arrangement providing life insurance benefits without requiring any cash flow