Private Client Insurance Services
Strategic Insurance Solutions for Complex Wealth
PH Robb specializes in private client insurance consulting for ultra-high-net-worth individuals and families. Our work centers around preserving wealth, reducing tax exposure, and supporting generational planning through custom-designed insurance strategies.
solutions for estate tax reduction
Life insurance, when integrated properly, becomes more than a policy—it becomes a tool for legacy protection, liquidity planning, and long-term strategy. At PH Robb, we design and manage advanced life insurance strategies that are aligned with estate plans, trust structures, and financial objectives.
As one of the most experienced life insurance consulting firms, we support the design and execution of solutions for succession, family equalization, and charitable giving. Our team works in close coordination with a client’s legal and financial advisors, ensuring every component of the plan is cohesive and intentional.
Key Benefits of Partnering with PH Robb
At PH Robb, we prioritize our clients' financial security and success. Our guarantee of excellence is reflected in the unique benefits we offer, ensuring that our clients receive unparalleled support in managing their wealth.
$4.25 Billion in Assets Protected
With extensive expertise in insurance consulting, we protect over $4.25 billion in family assets. Our tailored strategies effectively mitigate risks, providing ultra-high-net-worth individuals and families peace of mind.
100% Client Retention
We are committed to client satisfaction, achieving a 100% retention rate. By fostering strong relationships built on trust and respect, we ensure our clients feel valued and understood at every step of their journey.
$7.5 Million Average Savings Per Client
Through our innovative and efficient insurance strategies, clients benefit from an average of $7.5 million in lifetime cost savings. We focus on maximizing value while minimizing financial burdens, enhancing overall wealth preservation.
Estate and Tax Integration for Long-Term Value
We offer deep expertise in high net worth estate planning, structuring insurance to provide liquidity, reduce estate tax burdens, and maintain family control over complex assets.
Our planning frequently incorporates estate planning life insurance, ILITs, and trust-owned structures to protect multigenerational wealth. When navigating estate planning, our approach is built to preserve and pass on wealth according to your values and vision.
Customized Strategies for Unique Needs
At PH Robb, we understand that each client's financial goals and challenges are unique. Our personalized approach emphasizes collaboration, working closely with your existing advisors to create tailored insurance solutions. By fostering these partnerships, we ensure that every aspect of your financial strategy aligns harmoniously, empowering you to achieve your objectives while building trust and strong relationships.
Designed for Generational Impact
At PH Robb, we go beyond policy placement. As a trusted strategic wealth advisory group, we partner with clients and advisors to build sustainable, long-term strategies that adapt to change. Our mission is to ensure the preservation of your assets, values, and intentions—across generations.
Commitment to Continuous Improvement
We recognize that the financial landscape is always changing, and our commitment to collaboration ensures we stay ahead of industry trends. At PH Robb, we prioritize maintaining strong partnerships with our clients and their advisors to deliver the most effective and current strategies. By nurturing these relationships, we provide ongoing support and adaptive planning, allowing you to safeguard your legacy and ensure it remains relevant for generations to come.
Premium Financing and Capital Efficiency
Many of our clients benefit from premium financing strategies that allow them to acquire meaningful coverage without disrupting asset allocation or liquidity. We help evaluate and structure these strategies using prudent risk modeling and lender coordination.
The result is a custom-designed plan that uses financed life insurance to support estate needs, wealth transfer, or business succession while maintaining financial flexibility. This can be particularly effective for families focused on tax mitigation planning and cash flow preservation.
Let’s Build Your Legacy Together
Work with PH Robb to develop a strategy that protects what matters most. Contact our team to explore how our private client services can support your goals in wealth preservation, legacy planning, and tax efficiency.