Ultra High Net Worth

Wealth Planning for Ultra-High Net Worth


Transferring Wealth

To heirs, to philanthropy, to both

How can you leave more wealth to the people you love and the causes you care about and less to the IRS?

We offer a host of planning techniques and structures to help high net worth families transfer assets to future generations and philanthropic causes, foundations, etc.

reducing costs of estate tax

How can you leave more wealth to the people you love and the causes you care about, and less to the IRS?

We offer a host of planning techniques and structures to help high net worth families transfer assets to next generations and philanthropic causes, foundations, etc.

I would like information on how to transfer my wealth to my heirs and reduce the cost of estate tax.


i am interested in leaving more to causes i care about

I Am Interested In Leaving More To Causes I Care About And Leaving A Philanthropic Legacy

This is Reg speaking personally:

I have a deep abiding interest in philanthropy and helping clients to realize the magic of making a difference in other's lives. My wife and I started a foundation 14 years ago and it has been a life-changing experience. (see Trauma Institute if you are interested in our work in Israel).

In 2006, I founded a consulting service 'Cultivating Your Legacy' to help people explore how to use their wealth to have an impact on the world. Please go to the website Cultivating Your Legacy and enter your information to allow us to be in touch with you.

Yes I would like information on how philanthropy can help me with taxes and as a way of making a difference in the world, engaging my family in the values I care about.


Leaving more to philanthropy and more for my heirs

Leaving More To Philanthropy And More For My Heirs

You can achieve the greatest tax efficiency and leave more to both heirs and for society.

EPIC Wealth Advisors, Inc. has access to some proprietary approaches for people wishing to maximize wealth to heirs and philanthropy. 'The Doubler'.

This will result in short term and long term tax advantages and is a win-win for your family, yourself and the future we bequeath to the next generations.

I would like information on how to be able to leave more to my heirs and more to charity.


Wealth Management

Reduce risk and taxes

Investment Strategies

Contrary to conventional investment theory, it is possible to increase total after tax return while reducing risk.

We employ a truly diversified approach to portfolio risk management that looks nothing like the conventional buy and hold wire-house model. 

Our goal is active low-volatility,  low/medium risk, multi-manager strategies of true diversification with low-correlation to the traditional benchmarks. This allows for capturing returns with less downside risk exposure.

I would like information on your strategy of reducing risk and improving after tax performance.


Tax Deferral Strategies

Insured Tax-Deferral Strategies

The purpose of insured strategies for Ultra High Net Worth clients is to reduce taxes and provide unique and predictable net present value discounts. 

It is axiomatic that dramatic increases in yield are achieved by the compounding returns of deferring tax on investment growth. 

This is even more impactful for High Net Worth clients because UHNW are generally in higher income and estate tax brackets and UHNW have longer time horizons for compounding (multi-generational in many cases).

The IRS code allows for a wide variety of tax deferral strategies within the code section of 'insurance'.

The creative integration of these insurance structures with our unique approach to 'risk management' provides our clients with a unique blend of 'safe creative tax benefits' and 'proven risk management' investment strategies.

I would like to know more about the tax benefits of the insured strategies to increase after tax yield.


High net worth clients face the biggest threat from taxes and failure to optimize risk/reward in portfolios. Our approach is a proprietary combination of:
  1. Unique investment risk-management strategies
  2. Efficient tax reduction management through the creative use of tax deferral structures.

Tax Strategies

Reduce risk and taxes

reduce tax on ordinary income

The goal of all clients is the simple one of reducing tax on ordinary income. Most people don't get past the conventional techniques below. Creative use of advanced techniques can have powerful impact on taxes.

Conventional Solutions

Qualified Plans: IRS Section 400

Advanced EPIC Wealth Solutions

Entity structuring (multiple entities, owners, use of family members, non-profit entities, etc).

Creative use of charitable structures and entity structuring

Captive insurance companies

Intergenerational loans and financing with charitable planning

Variety of structures and applications under IRC Section 72 & 7702

I would like information on how to reduce taxes on ordinary income.


reducing tax on passive investment income

How can you reduce the taxation on passive investment income that you don't need for living expenses? For high income and high net worth clients, this is a major irritation. A 6% portfolio investment return is reduced to a 4% net return because of taxes on passive income. This is a 30% reduction in after-tax total return.

Conventional Solutions

The feeble argument by investment brokers is tax efficient harvesting of losses. This is a no brainer. You only have tax efficiency because they lost money and are trying to make a silk purse out of a sow's ear.

Advanced EPIC Wealth Solutions

Completely legal tax deferral structure to allow all gains to be deferred until withdrawn. This can continue into second generation.

Completely legal tax deferral structure to allow all gains to be deferred and principle and gains to be accessed and distributed non-taxed.

Completely legal tax deferral allows all gains to be deferred for multiple generations, with proceeds taxed when distributed.

I would like information on how to defer taxes on passive investment income from investments or real estate.


Defer tax on sale of appreciated assets

Sellers of buildings, businesses, art or appreciated stock looking to re-allocate would like to 'defer' the tax on the sale.

Conventional Solutions

Real estate 1031 exchanges allow for replacing property A with property B, but doesn't allow the seller to be free of real estate and the headaches of management. Our solutions will allow him to 'cash out' and re-invest 100% of the proceeds.

Advanced EPIC Wealth solutions

Defer tax on gains, have cash to re-invest under your control, asset protected and the re-invested proceeds grow tax deferred until withdrawn.

This is a proprietary technique. 

I would like to know how to defer paying tax on the sale of appreciated assets.


reduce cost of paying estate tax

There  are two ways to reduce the cost of paying estate tax:

  1. Reduce the value of the taxable transfer (so the taxable amount is less).
  2. Reduce the 'cost' (net present value of the ultimate payment) of paying the tax at the time it is due.

Conventional Strategies

A variety of traditional estate planning techniques involving discounted gifts, inter-generational loans, GRATs, GRUTs, QPRTs, life insurance, etc.

Advanced EPIC Wealth Approach

Our plan is to

  1. Reduce taxes during your lifetime and
  2. Leave greater wealth to your heirs and
  3. More money to benefit the causes you care about.

We accomplish this through a combination of

  1. Entity planning to reduce current income tax, tax on passive income and estate tax.
  2. Philanthropic structures to allow your legacy to impact for one or more generations.
  3. Investment planning integrated with insurance structures (not life insurance).

I am interested in information on how to do one of the following.


Creative tax planning is a central core of our approach to wealth management, inter-generational wealth transfer and increasing total after tax return.

The greatest single factor that increases long-term yield is the ability to defer, reduce and eliminate taxes. Over decades, tax efficiency is the most powerful tool that we have. There are different techniques available for different tax situations.