Category: Wealth Planning

The HK SFO exemption covers securities management for a single family but does not extend to insurance placement — meaning PPLI must be placed by a licensed broker. This article examines how the SFO framework and PPLI interact, and what family office advisors need to structure correctly.

The PPLI domicile determines regulatory protections, asset flexibility, treaty access, and counterparty infrastructure. This article compares Luxembourg, Liechtenstein, Cayman Islands, and Barbados across the criteria that matter most for international structuring.

PPLI for US persons must satisfy IRC Section 7702, the Investor Control Doctrine, and IDF requirements to preserve tax deferral and eliminate PFIC exposure. This article explains the three compliance pillars that advisors must understand before recommending PPLI to any US-connected client.

The avance sur police allows PPLI policyholders to access liquidity directly from the insurer against the policy surrender value — without a bank, without a taxable event, and without disrupting the policy’s investment mandate. This article explains the mechanics and corrects a common market misconception.

PPLI can accommodate direct cryptocurrency contributions via wallet-to-policy transfer without fiat liquidation. This article sets out the mechanics, structural requirements, carrier considerations, and jurisdiction-specific tax analysis including PRC-resident implications.