As the CEO and Founder of Robertson & Co. LLC, we provide fiduciary advice and oversight to individuals and businesses who seek to optimize their insurance and investment portfolios. We have staff with JD / MBA (Boston University), and Chartered Life Underwriter (CLU) credentials.With over 65 years of combined professional experience in the industry, we have developed a unique ability to objectively assess and compare most major carriers on behalf of our clients, and to negotiate the best terms and rates for them. We also help our clients design and implement effective benefit, retirement, and estate planning strategies, as well as financial advisory services. Our mission is to bring added value and transparency to the insured's side of the table, and to help them achieve their long-term goals.One way we accomplish this is through what we call 'fiduciary design'. In our case, this means optimizing the client's position by 'tweaking' the policy design to eliminate or reduce 'surrender charges' to the highest possible degree within the regulatory filing of the products. This generally involves eliminating, reducing, and/or spreading the agent's compensation far beyond what most agents are willing to do. Many carriers have recently begun to add this ability as an option in their product design. We believe it allows a more well-balanced program between the parties and reflects better on the attorney / accountant / investment advisors by protecting the client's best interest in the transaction.If you have a case you are working on, we will 'tweak' the contract optimally under this design, by contract or as the agent, whichever the client prefers. We have access to most carriers and will offer this on any of them and can provide a 'sort' of these products in the marketplace. This documentation serves as strong due diligence for advisors who wish to assist their client/s optimally.We are introducing a new executive plan designed to optimize value and security while improving tax-treatment and providing funding assistance. This is a 'leveraged' plan that 'matches' a high-earners contribution with a pre-arranged 3X 'match' and is fully secured by the plan Trust. This means neither the employer nor the participant is required to 'endorse' or 'sign' for the match funding. There is no interest payable by the participant, and the match funding is retired by the Trust in the 15th year of the plan. The end result of this extra 'capital influx' projects 60-100% higher net spendable income in retirement compared to 401k, IRA, etc. May we share more?