OUR message on this website is the introduction of a special purpose, sophisticated, and legal financial strategy, designed to optimize operational business risk insurance for any small to mid-size privately owned business enterprise, and put money back into the “pocket” of the enterprise owner.

Business owners across all 13 “for profit” industry categories are exposed to operational business risks, and this program is designed to recover premium dollars spent for insurance where few or no claims are filed by the end of every insurance year. Look for your industry on the menu bar and download relevant information.

The ultimate goal is additional wealth for the business owner, to be used for future discretionary spending such as retirement planning, business reinvestment, employee incentives, succession planning, estate planning, charitable giving and more. The program is designed for proactive business owners with a long-term vision who realize insurance must be in place before bad outcomes happen.

It’s known as a CapAlt Risk SolutionTM and is typically referred to as a CRS. It’s a relatively new approach to the management of business operational risks that exist in every successful business enterprise. As the owner of such an enterprise, we hope you find it’s in your best interest to explore what we describe here.

If you are the owner of a successful small to mid-sized enterprise, or know someone who is, then either you, or someone on your staff, is responsible for business operational insurance. That’s why WE exist, to help you navigate these waters and benefit from them. Reach out to us and we’ll do our best to inform you how all this works to your advantage. If this idea is new to you, start with our 4-page Captive Wealth Introduction which can be found here: https://tinyurl.com/3mfjxayd

The strategy is based on an idea developed by Captive Alternatives, LLC about 25 years ago. Today, it’s recognized as an example of effective insurance design and participatory re-insurance across the country, designed to address the operational risks faced by any enterprise 365 days a year.

Instead of purchasing traditional business insurance from a commercial insurance company, a CapAlt Risk Solution gives any privately owned enterprise owner access to an insurance solution with significant advantages. The favorable outcomes include the following:

  • Over the course of an insurance year, and after any or all claims are processed and satisfied, premium dollars left over belong to you.
  • They can be recovered at a time of your choosing, since by then, they are considered surplus assets and protected equity, all under your control.
  • By the end of any calendar year plus a reconciliation period, you can expect a financial outcome better than the before-tax revenue used to pay premiums by your company.
  • Proactive efforts made by you to manage operational risks will likely increase your net return, all the while receiving the same tax and accounting benefits as any large insurance company.
  • Any or all funds accumulating from prior years can be invested by you personally or by any investment advisors you select.
  • At the end of the day, the idea allows you to ultimately retire with more money in your pockets, if that’s an outcome you’re looking for.

Increased peace of mind in today’s stressful world also has benefits. To know more, find the Who WE Are item on the menu above and click on a name so you can reach out to us and set up a digital meeting to discuss your options.

A CapAlt Risk Solution, properly implemented, will allow you to make conservative operating decisions about your business enterprise, coupled with whatever future benefits flow to you from having more money at your fingertips.