Redefining The Future of Insurance
Everflow Insurance Advisory empowers families and entrepreneurs with tax-free wealth strategies that protect, grow, and unlock liquidity. We design smarter plans that go beyond tradition—helping you build lasting success with confidence.
What
We
Offer
Life Insurance & Annuities
Tax-Free Wealth off the grid -
Create your own customized family bank within a life insurance policy. It’s a private, tax-free contract offering risk-free growth, shielded from the prying eyes of the IRS. Enjoy uninterrupted compound interest and amplify your returns across assets like real estate, stocks, or private businesses.
· Financial Freedom: Transform insurance into a powerful tool for liquidity and long-term growth, perfect for retirement income or sustaining longer-term illiquid investments.
· Tax-Free Dual Compounding: Your policy grows steadily, even when funds are borrowed, maximizing returns across multiple investments.
· Generational Wealth: Utilize multi-generational planning to build a tax-free legacy for future heirs.
· Financial Security: Ensure continuity with an income-tax-free death benefit and access to cash through loans or distributions.
Annuities can also be utilized to guarantee against most people’s biggest fear: running out of money before they run out of life.
Retirement Plans
Powerful Retirement Plans for Your Business -
Maximize your retirement savings with tax-advantaged retirement plans, designed to secure your future while slashing your tax bill.
There are many options out there for retirement plans and there is no one-size-fits-all answer. We analyze each client’s scenario to suggest the most effective plan with a focus on keeping costs low while also allowing for:
· Huge Tax Deductions: Contribute pre-tax dollars to a plan built for you and your employees, reducing your taxable income significantly.
· Safe & Secure: You can protect your savings from stock market risks with stable, insurance-backed options.
· Customized for You: Blend flexibility and security to meet your retirement goals.
We find the best bang for your buck tends to be in using one of, or a combination of the following plans we offer.
Business, Estate & Tax Planning
Asset Protection -
Think of whole life insurance as your money’s personal bodyguard, shielding it from all sorts of financial villains like lawsuits, creditors, and market rollercoasters. Here’s why it’s the unsung hero of wealth protection:
It Laughs in the Face of Creditors and Lawsuits -
In most states (rules vary, so check your local laws), the cash value in your policy is like a fortress, protected from creditors and legal judgments. It’s like hiding your money in a secret vault that only you can access.
It’s Immune to Market Drama -
Your policy’s cash value grows guaranteed, no matter how much the stock market throws a tantrum. It’s like having a financial bunker that keeps your wealth safe from market chaos.
Tax Advantages That Make You Smile -
Want to access your money without Uncle Sam taking a big bite? With whole life insurance, you can take tax-free policy loans from your cash value! Plus, when it’s time to pass your wealth to your loved ones, the death benefit slides to them without estate taxes.
Build Wealth Now, Party Later -
A well-structured whole life insurance policy isn’t just about protection; it’s about growing your wealth for the long haul. It’s like planting a money tree today that your kids or grandkids can harvest later, all while keeping it safe from financial predators.
Corporate Advisory
“Boosted” Key Man Insurance -
Many businesses use key man insurance to cover themselves in the event of the premature death of an important executive.
While term insurance can be a good option in this scenario, we sometimes recommend using permanent insurance as well. In this way, you can build an asset (cash value) on the corporate balance sheet versus paying “use it or lose it” term premiums. As this cash value grows, you are effectively creating your own internal line of credit since you can borrow against it.
Imagine borrowing from your policy to pay vendors or employees and then paying your loan off when revenue hits.
While the strategy is a bit more complicated than this, we’d love to show you how it might benefit your company.
Pre Sale Planning
Pre-sale planning isn’t just for the ultra-wealthy. It’s for anyone looking to sell a big asset and keep more of the proceeds. When you sell assets like a business, property, or a chunk of stock, the IRS is waiting to take a bite—sometimes a big one. Capital gains taxes, estate taxes, or even income taxes can chip away at your profits. But with some clever pre-sale planning, you can minimize those tax hits and walk away with more cash to enjoy or reinvest.
Ideally, we suggest you start planning at least a year before the sale. The earlier you strategize, the more options available to keep taxes low and your legacy intact.
We actively work with your tax professional, financial advisor, and estate planner to create a custom pre-sale strategy that fits your goals.
Cash Balance Plan
A hybrid plan combining the high contribution limits of a defined benefit plan with the flexibility of marketable securities and risk-free insurance assets.
401K
Most people are familiar with these from a previous job. Dollars go in pre-tax and are usually invested for long-term growth.
412(e)(3) Plan
A fully insured pension plan funded by annuities and life insurance, offering higher contribution limits for maximum tax savings and guaranteed growth. These plans tend to work best for sole proprietors or completely family-owned businesses.
Tax Mitigation
When you’re a W-2 employee and/or have a sudden windfall, taxes can be hard to lessen. While tax mitigation strategies were once reserved for people with income over $1million per year, they have become more accessible to the public over the years. By working with tax mitigation firms, tax attorneys, and CPAs we can offer a variety of ways to lower this tax burden.
Why
Us
Our Story
Everflow Insurance Advisory is the culmination of 25+ years’ experience in financial services synthesized down to the cream of the crop. We are product and carrier-agnostic and will always create a customized offering that precisely matches each individual case. Not only will you and your family or business be protected, but you will be changing the way you view money.
Additionally, we have learned through years of experience what works and what does not. While there is no ONE way to achieve financial security, we believe our systems are quite effective.
Who We Are
Unlike “captive” insurance companies that can only sell their own products, EverFlow Insurance Advisory is completely independent. That means we’re not tied to just one carrier. That’s a big deal, even if most people don’t realize it. With something as important as life insurance, you want someone who knows the "ins and outs" of multiple companies, products, and options.
The right advisor doesn’t just sell you a policy; they guide you through different situations and make sure your coverage keeps up with your life.
Deep Industry Knowledge
What sets me apart is the genuine care I put into every client relationship and the deep knowledge I’ve gained over 25+ years in financial services. I believe in practicing what I preach, so the guidance I share is rooted in real experience and values I live by every day.
Whenever possible, I am not only a proponent of the policies I recommend, I am also a consumer.
Contact
Us
Our Address
6073 Louisville St
New Orleans, LA 70124
Our Phone No.
202.409.4550
Take advantage of powerful tax deductions and build a secure retirement. Contact us to find the perfect plan for your business!