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.
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.
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.
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.