Thomas Robertson Email & Phone Number

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?

Listed skills include Due Diligence, Insurance, Estate Planning, Wealth Management, and 20 others.

• Ceo | Founder

  Robertson & Co. Llc.

  Jan 1986 - Present

  Robertson/IS - Fiduciary OversightMany people are surprised to learn their insurance brokers and/or wealth adviser(s) are typically NOT fiduciary advisors. Legally, "a fiduciary owes the duty of loyalty, full disclosure, and due diligence to the principal and must not exploit his/her position of trust and confidence for personal gain at the expense of the principal. The law demands a fiduciary to exercise the highest degree of care and utmost good faith in the maintenance and preservation of the principal's assets and rights, and imposes compensatory as well as punitive damages on an erring fiduciary."This is why most advisors do NOT want to be fiduciaries. The specter of that potential liability combined with the potential cost to defend oneself is just too high. Fiduciary AnalysisRobertson performs comparative due diligence analysis to "vet" existing or proposed life insurance contracts. This empowers clients and their advisers by providing the objective information they need regarding the retention or disposition of existing or newly proposed contracts. The vast majority of life insurance contracts are commission-based and self-interest generally drives the non-fiduciary agent to balance his / her own interest with that of the client. In a study completed by one leading insurer, they found that over 80% of policies $1MM+ written between 2014-2019 were not consumer optimized. Be safe. Be assured.With an objective, client-driven Fiduciary process, Robertson brings clarity. At the very least, we can see to it that ALL options are disclosed to the client(s) and their professional advisers so they can be involved in crucial elements of the selection process, rather than just acquiescing to the traditional agent's subjective process.