Downstream Wealth helps small business owners unlock value & achieve financial autonomy through five strategies that go beyond traditional finance: building an opportunity fund, controlling the flow of capital, increasing liquidity, protecting against major risks, and retaining top employees.

CAPITALIZE - Safely grow your capital in a properly structured whole life insurance policy designed for early cash value accumulation and guaranteed growth.

CONTROL - Borrow AGAINST your cash value collateral, which comes with guaranteed liquidity, attractive rates, fully flexible repayment options, and allows your capital to compound uninterrupted.

MONETIZE - Build an asset on the company's balance sheet that combats higher business expenses from inflation, while serving as retirement funding/exit liquidity.

PROTECT - Insure against critical vulnerabilities to protect business owners, their families, and key employees.
​
RETAIN - Leverage advanced retention strategies that provide golden handcuffs, potential employer cost recovery, and can be offered selectively unlike qualified plans.