Invest In Your Future

We create personalized solutions that provide a strong financial foundation for our clients.

Our Clients

We provide specialized expertise and insurance strategies for Business Owners, Entrepreneurs, Corporate Executives, Medical Professionals, High-net-worth Families, and Professional Athletes, just to name a few. We work closely with lawyers, accountants, bankers, and financial advisors to meet each client’s unique needs, and provide customized insurance products and comprehensive estate planning solutions.

Our mission is to create personalized solutions that establish a solid financial foundation for our clients.

Client Case Studies

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Wealth Preservation for a Successful Family Business

Meet: John and Sarah, a retired couple in their 60s, own multiple successful family businesses and assets under a holding company valued at $10 million. They aspire to pass on their wealth to future generations.

Problem: Their concern lies in the substantial amount of their annual business investment income being consumed by taxes, hindering the growth of their wealth and limiting the legacy they can leave for their family.

Solution: To overcome this, they adopted a corporate-owned life insurance (COLI) policy strategy. By allocating a portion of their business income to purchase a tax-efficient COLI policy, they secured a fully guaranteed return. This strategy not only reduced their tax burden but also accelerated their wealth growth. Upon their passing, the insurance proceeds will be received tax-free by their beneficiaries, ensuring a lasting legacy for their family.

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Why People Work With Us

As a consultant, entrepreneur, business owner, or professional investor, your life is undoubtedly busy, and personal planning often takes a back seat. However, it’s crucial to recognize the critical hurdles that may jeopardize your financial security and the well-being of your loved ones. Outdated partnership agreements, improperly structured funding, and inadequate estate planning can leave you vulnerable to unexpected events. While your professional advisors excel in their respective areas, taking a holistic and comprehensive approach to risk and estate planning is essential for long-term success.

Services

We provide a range of insurance solutions, tax mitigation strategies, and estate planning services tailored to the needs of Business Owners, Entrepreneurs, Corporate Executives, Medical Professionals, High-net-worth Families, and Professional Athletes.

Plan

Insurance Instruments for Family Protection and Tax Planning

Term Insurance
Permanent Insurance (Universal, Whole Life)
Mortgage Insurance
Burial and Final Expense Insurance
Partnership Buy/Sell Funding
Key Person

Grow

Health Insurance and Living Benefits

Long Term Disability Insurance
Critical Illness Insurance
Long Term Care Insurance
Best Doctors®
Group Benefits
Health Spending Accounts (HSAs)

Manage

Estate Planning

Using Permanent Insurance as an Investment Alternative
Tax Minimization
Tax Elimination
Funding of a Buy-Sell Agreement through Insurance
Individual Pension Plans (IPP’s)
Charitable Planned Giving

Meet Colleen

Meet Colleen McKay, the founder of CRM Financial, bringing a wealth of experience and expertise to the insurance industry. With over a decade of hands-on involvement in life insurance, accident and illness coverage, and group benefits, Colleen has reached remarkable milestones throughout her career. Notably, she has been the go-to financial solutions provider for real estate brokerages, specializing in serving the unique needs of entrepreneurs and business owners.

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