Ben Rainey @PPLIBen
Husband. Dad. Partner at WealthPoint. Demystifying Private Placement Life Insurance. Registered Representative of The Leaders Group, Inc. Member FINRA/SIPC. wealthpoint.net Denver, CO Joined September 2023-
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Average PPLI costs Now this can vary greatly based on broker comp, but here's a good estimate of all-in costs for the PPLI wrapper Age: Average annual costs over lifetime 30: 33 bps 40: 45 bps 50: 60 bps 60: 80 bps 70: 105 bps Thats insurance costs, M&E fees, everything.
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Annual tax drag depends on a variety of factors, including asset class, turnover, etc... For income generating positions (think private credit) - it's not uncommon to see those taxed at 50% in places like CA/NY Even an average "balanced" portfolio will have average tax costs of…
Insurance costs vs the cost of tax That's the PPLI "trade" Yes, you're adding the cost of the insurance wrapper but you get to eliminate the cost of taxes forever. Ordinary income. Long and short-term capital gains. Dividends. Doesn't matter, taxes are eliminated in PPLI.
Ben Rainey retweeted
Confidence and humility travel as a pair. One without the other is arrogance, or insecurity.
Ben Rainey retweeted
They should actually teach this in biz school
“There are two ways to get enough. One is to continue to accumulate more and more. The other is to desire less.” G.K. Chesterton
Where else can you learn amazing facts about obscure industries (cargo shipping) on a random Saturday morning? Ships transport40x more cargo! And there are 10x more ships than planes! So cool.
Where else can you learn amazing facts about obscure industries (cargo shipping) on a random Saturday morning? Ships transport40x more cargo! And there are 10x more ships than planes! So cool.
This. 100% this. 👇👇👇
Great reminder as we start 2024 and see a million "you can have everything" posts. Be careful what you wish for and work for...
Great reminder as we start 2024 and see a million "you can have everything" posts. Be careful what you wish for and work for...
Hardly as impressive as all the Christmas gifts we actually kept, but it's nice to see I'll be getting a little back in January!
Ben Rainey retweeted
Most people asking for advice are actually seeking affirmation of what they've already decided. If you're seeking advice, make sure you're ready to change your mind.
Wait! What??? You can still buy these relics in 2023???
Wrapping up the last day in the office for 2023. Taking next week to ski with the kiddos and continue 2024 planning Been sprinting to the "finish" (wherever that mythical place is!) and looking forward to some downtime Gonna try to keep figuring out this Twitter/X thing too
As my kids would say, this poem slaps!
As my kids would say, this poem slaps!
Ben Rainey retweeted
To win, you have to avoid losing. The first thing chess masters do after an opponent makes a move isn’t to think about strategy or winning but rather to ask themselves: what’s the threat? Avoid stupidity before seeking brilliance.
Here's an example of the power of PPLI. Investor age 50 $20M allocation Long term expected return: 7.93% Annual Tax drag: 2.57% PPLI delivers nearly 250bps of alpha *per year* for this investor. Over time, that amounts to nearly $200M more to his kids, grandkids, etc.
Should your client consider PPLI? A simple 2 question quiz is all you need. 1. Do they have $10m or more in a taxable account and 2. Is the annual tax drag greater than 0.50% a year on their investment return? (This will nearly always be yes.) If yes to both, they are an…
Ben Rainey retweeted
"Most conversations are monologues in the presence of witnesses." ~Disputed, normally attributed to Mark Twain
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