In this episode of Poised for Exit, Ann Marie Liotta, CPA and U.S. Wealth Strategist with Gallagher, and Mike Winn, CEPA and Financial Advisor with Chartered Wealth Partners, join the show to discuss POLI, or Partnership-Owned Life Insurance, a planning strategy designed for high-earning business owners, partners, and leadership teams.
The conversation explores why this strategy is sometimes described as a “Super Roth,” how it can support tax-free growth and tax-free distributions, and why it may be attractive to business owners who have already maxed out traditional retirement planning options. Ann Marie and Mike also discuss how POLI can be used as a retention tool for key employees without giving up equity, including examples for closely held businesses, law firms, medical groups, family offices, and private equity-backed companies.
Finally, they touch on important considerations including investment risk, suitability, time horizon, guaranteed issue requirements, institutional pricing, and the importance of working with experienced advisors who understand the structure. For business owners and advisors looking beyond traditional planning tools, this episode introduces a unique strategy worth understanding.
Connect with Ann Marie Liotta hereor by email at annmarie_liotta@cfgllc.com
Connect with Mike Winn here or by email at mwinn@charteredwealth.com
Download the POLI Overview here
Connect with Julie Keyes, Keyestrategies LLC
Founder, Consultant, Author, Podcaster, and Instructor
Connect with Julie Keyes, Keyestrategies LLC
Founder, Consultant, Author, Pod-caster and Instructor
