our solutions

Life Insurance

At O’Brien Planning Group, independence is at the core of everything we do. As a truly carrier-agnostic firm, we partner with leading insurance carriers to ensure our clients receive the best possible solutions—tailored to their unique goals and circumstances.

Our refined underwriting process is designed to protect clients from the common pitfalls that can occur during the insurance planning journey. We don’t engage a carrier until we’ve secured a strong underwriting offer, helping to prevent overpriced or poorly structured policies. This disciplined approach ensures every recommendation we make is rooted in transparency, accuracy, and value.

Many of our clients also take advantage of premium financing, an advanced strategy that allows them to use collateral in place of premium payments. This approach enables clients to maintain control of their assets while securing the protection they need. In addition, premium financing can help minimize—or even eliminate—gift tax exposure for trust-owned life insurance, creating a more efficient and elegant estate planning solution.

Estate Strategies

An estate strategy involves more than updating key documents. Let's build a strategy to protect your legacy with a comprehensive estate strategy.

Retirement Strategies

What money are you prepared to spend first in retirement? A strategy based on your income sources may help you decide. The good news is you won't have to do it alone.

Executive Compensation

Corporate-owned life insurance (COLI) is often used to fund executive compensation plans by providing a tax-efficient way for companies to offset the long-term costs of benefits such as deferred compensation, supplemental retirement plans, or death benefits. The company owns and pays premiums on life insurance policies for key executives, receives the policy’s cash value growth tax-deferred, and collects death benefits tax-free, which can be used to reimburse the business for plan payouts or future liabilities.

Small Business Owner Guidance

Navigate the unique financial challenges and opportunities of owning a small business with personalized financial guidance.

Our Frequently asked questions

We specialize in serving high net worth individuals and closely held business owners who are seeking strategic life insurance solutions for income and estate tax planning.
We work with a wide range of top-rated carriers to assess your unique financial goals, risk tolerance, and estate planning needs. This allows us to tailor recommendations to fit your specific situation.
No. We are an independent advisory firm and represent multiple carriers. This independence enables us to find the best products for your needs without bias.
Life insurance can be used to provide liquidity for estate taxes, equalize inheritances, fund buy-sell agreements, and offer tax-advantaged income. We work closely with your CPA, attorney, and other advisors to ensure the insurance complements your overall financial plan.
Yes. We regularly collaborate with clients’ CPAs, estate planning attorneys, and financial advisors to ensure a coordinated and effective strategy.
Our process begins with a comprehensive consultation to understand your goals and financial picture. We then design a custom plan, review multiple product options, and work with your advisory team to implement the strategy.
Absolutely. We maintain strict confidentiality and uphold the highest standards of privacy and professionalism.
We are typically compensated by the insurance carriers when a policy is placed. In some cases, we may work on a fee basis depending on the complexity of the planning and client preferences.
Simply contact us to schedule a consultation. We’ll begin with an initial conversation to understand your needs and determine the best path forward.

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