About Us

In a landscape dominated by large, multinational financial institutions, Fifty Moon offers a stark contrast: a boutique investment banking and advisory firm offering a distinct and specialized approach, particularly appealing to sophisticated clients seeking tailored solutions and personalized attention. Our firm distinguishes itself by focusing on niche areas of expertise, providing deep domain knowledge and a commitment to client-centric service that can be challenging to find in larger organizations.

We often operate as a strategic partner who understands the intricate financial lives of our clients and their businesses, allowing us to offer bespoke solutions rather than off-the-shelf products. Let's delve into the core services that define our specialized boutique:

Private Placement Life Insurance (PPLI) Expertise: Among the core of our offerings are private placement life insurance policies. These are powerful tools for tax-advantaged wealth accumulation, preservation, and transfer. Our advisors possess in-depth knowledge of PPLI, guiding clients through the complexities of policy design, investment options within the policy, and the significant tax benefits it can provide. We understand how to leverage PPLI to enhance investment returns, facilitate estate planning, and ensure efficient wealth transfer to future generations. Click here for more information about our PPLI.

Single Stock Loans: Recognizing the unique financing needs of affluent individuals holding concentrated stock positions, we offer single stock loans. These specialized loans allow our clients to borrow against their publicly traded securities, providing liquidity without triggering taxable events by selling appreciated assets. This service enables clients to access capital for various purposes – from real estate investments to business ventures – while maintaining their long-term investment strategy. The firm’s expertise lies in structuring these loans efficiently and managing the associated risks. In fact, many of our clients reinvest the proceeds from their single stock loans via a PPLI wrapper to combine the benefits of single stock loans with the tax and estate benefits of PPLI policies. Click here for more information about single stock loans.

Brokerage of Private Note Sales from Banks: In a unique service offering, we arrange the sale of fully secured nonperforming mortgage notes sourced directly from issuing banks. This provides sophisticated investors with access to off-market opportunities to acquire distressed debt at a discount, backed by real estate collateral and often accruing default rate interest. Our deep understanding of the note market and bank disposition processes allows us to identify and facilitate the acquisition of potentially high-yield assets for their clients, navigating the complexities of due diligence and transaction execution. Click here for more information about private note purchases.

Comprehensive Asset Protection Strategies: Beyond wealth accumulation and financing, we are deeply committed to safeguarding client assets. We offer holistic asset protection planning and develop customized strategies to legally shield wealth from potential future creditors and lawsuits. This includes utilizing domestic and international trust structures, alongside other legal tools, to create robust barriers that protect client wealth while adhering to all legal and ethical standards. Our approach is proactive, aiming to mitigate risks before they materialize and provide clients with peace of mind. Click here to learn more about asset protection.

Fifty Moon is a boutique investment and advisory firm serves as a sophisticated financial architect for its discerning clientele. By integrating PPLI, Lombard loans, private note brokerage, and asset protection strategies, we offer a comprehensive suite of services designed to optimize wealth, provide strategic financing solutions, and ensure lasting financial security. Our boutique nature ensures personalized attention, deep expertise, and a commitment to crafting tailored solutions that align precisely with each client's unique financial landscape and long-term objectives.

Our Focus

Our asset protection techniques offer a strategic approach to safeguard your wealth from unforeseen creditors and potential liabilities. By placing your assets in trusts or foundations in select jurisdictions, you separate your personal holdings from potential claims. Our techniques make it significantly harder for creditors to seize assets, can offer anonymity and confidentiality, and can facilitate smooth wealth transfer to future generations. In addition, our techniques are designed to optimize tax advantages depending on the structure and jurisdiction.

We are meticulously crafted to serve the complex financial needs of high-net-worth individuals and families, offering a curated suite of sophisticated strategies designed for wealth optimization, strategic financing, and robust asset protection and legacy preservation. This is the essence of our boutique investment and advisory firm. We specialize in Private Placement Life Insurance (PPLI), single stock loans, private note sales from banks, and comprehensive asset protection planning.

Unlocking Stock Wealth for Startup Growth and Bulletproof Asset Protection

For executives whose wealth is significantly concentrated in publicly traded stock, strategic financial planning is paramount. Fifty Moon can offer innovative structures that leverage a combination of financial tools to achieve multiple objectives:

diversification,
tax-advantaged growth, and
robust asset protection.

One such strategy involves utilizing a single stock loan to fund a Private Placement Life Insurance (PPLI) policy, which in turn invests in a promising high-growth startup, with the ultimate step of placing the PPLI policy within an asset protection trust. Let's break down how this sophisticated approach works.

First, the executive secures a private loan, using his concentrated stock portfolio as collateral. This type of loan is a securities-based loan that allows borrowing against assets without triggering a taxable sale. This immediately unlocks liquidity without incurring capital gains taxes that would arise from selling the stock directly. These loan proceeds then become the funding source for the next critical component: a Private Placement Life Insurance (PPLI) policy.

The PPLI policy acts as a powerful tax-advantaged investment wrapper. The loan proceeds can be used to fund a bulk premium payments and which may allow the cash value within the PPLI policy to grows tax-deferred. Crucially, PPLI offers a significantly broader range of investment options compared to traditional retail life insurance. In this structure, the PPLI policy can be strategically directed to invest in a new high-growth startup or in other investments. This achieves diversification away from the concentrated publicly traded stock and introduces the potential for substantial returns within the tax-sheltered environment of the PPLI policy. Any gains within the PPLI policy from the startup investment accumulate tax-deferred, further enhancing wealth accumulation potential.

Finally, to fortify the structure and provide maximum security, the PPLI policy itself is contributed into an asset protection trust. This irrevocable trust, ideally established in a favorable jurisdiction, legally separates the PPLI policy from the executive's personal estate. By placing the PPLI within an asset protection trust, the future growth and death benefit of the policy are shielded from potential creditors and lawsuits. This final step provides a robust layer of protection, ensuring that the wealth generated through this innovative strategy is preserved for the executive and his beneficiaries.

This multi-layered structure offers a compelling approach for executives with concentrated stock holdings. It unlocks liquidity without immediate tax consequences, facilitates diversification into high-growth opportunities within a tax-advantaged environment, and ultimately safeguards the accumulated wealth through a robust asset protection trust. While complex, this strategy exemplifies how sophisticated financial tools can be strategically combined to achieve ambitious financial goals while mitigating risk and maximizing long-term wealth preservation. Contact Fifty Moon for more information. We would be happy to consult with you to determine whether such a structure may be suitable for your situation.