The Approach
Life insurance, quietly underused.
The entrepreneurs who sit with Frédérick are already very well advised. The opportunity rests on one precise fact: one of the most powerful instruments in their plan falls outside every one of their advisors’ mandates.
The reason
The reason is simple.
None of your advisors holds the mandate to raise it. AO-C exists for that precise piece — with your advisors, never in their place.
The instrument
Ease for the family. Performance for the plan.
Frédérick’s strategy is the Immediate Financing Arrangement (IFA): a participating whole-life contract held by the management company, whose cash surrender value serves as collateral for an investment loan. In life, it puts the same capital to work twice: the contract grows tax-sheltered and locks in its values year after year, while the borrowed funds are invested, which makes the interest and part of the cost of insurance deductible. At the moment of passing, it does what few assets can. The loan is repaid from the death benefit, and the balance leaves the company and reaches the estate personally, tax-free. That liquidity settles the tax at death without eroding the other assets. The strategy also creates a surplus in the capital dividend account, allowing the estate to withdraw further sums from the company, also tax-free.
Who this is for
A strategy for those who have built.
The IFA is designed for entrepreneurs holding a management company that earns income, a significant share of patrimony is set to pass to the next generation. They want to build a tangible asset during their lifetime, lighten the tax burden on their patrimony and ease the transfer to those who follow. To qualify, one further condition applies, one that wealth alone does not meet: being insurable. If that is you, the conversation is worth having.
From Alpha to Omega
One point of contact, the entire arc.
The first question
He enters at conception — before the structure exists, alongside your professionals.
The architecture
Proportions designed, cashflow and deductions optimized, the banking arrangement negotiated on your behalf.
The execution
Turnkey, coordinated with your tax advisors and accountants, year over year.
Everything that follows
He stays — through the years, through the transmission, until the capital reaches its next chapter.
Designed once. Working every year after.
Begin the conversation