Our Services

Reach your goals with our simplified and personalized approach.

Tax Mitigation

Tax Mitigation Strategy: Smart and Proven Solutions for Individuals and Businesses Facing High Tax Bills

Our Tax Mitigation Strategy is designed to help individuals with high tax bills reduce their tax burden effectively. By utilizing specialized financial tools we create customized solutions that minimize taxable income and lower overall tax liabilities. Our approach not only helps preserve wealth but also positions you or your business for long-term financial success by maximizing tax savings. Whether you are managing income from multiple sources, planning for retirement, or looking to optimize your estate, our tax mitigation strategies provide the expertise needed to navigate complex tax situations and keep more of what you earn.

Business Insurance Solutions

At Upstar, we specialize in quality and realistic solutions for businesses. We provide in-depth analysis of any business to determine strategies to help address longevity of the business, succession and legacy for business owners. We also help businesses provide equality robust benefits for their employees. These benefits range in areas like retirement plans, employee retention and reward programs, business cash reserve, business exit and succession plans and more.

We provide the following services for businesses:

  • Business Owners Policy (BOP) packages for small to Large- sized businesses

  • Professional Liability Insurance (E&O)

  • Cyber Liability Insurance

  • Workers’ Compensation

  • Directors and Officers (D&O) Insurance

  • Specialty Policies for high-risk operations & emerging technologies

  • Short-Term & Long-Term Disability Insurance

  •  Long-Term Care, Critical Illness, and Terminal Illness Protection    

Individual and Business Retirement

When it comes to retirement planning, it's essential to make sure you're on the right track to achieving your financial goals. That's where expert planning and support come in. With the guidance of seasoned professionals, you can gain confidence in your retirement planning and make informed decisions that will set you up for success. Whether you're looking to save for a comfortable retirement or to leave a legacy for future generations, working with a trusted advisor can help you meet your goals.

A few ways we help achieve worry free retirement for our clients -

  • Well Structured Annuity Contracts

  • Tax Deferred Cash Value Life Insurance with Tax Free Income

  • Well Structured Indexed Universal Life (IUL) policy as a better alternative to a 401k plan

  • Solo and Combo Cash balance Plans

  • Fully Insured 412/9e)(3)Defined Benefit Plan

  • 401(k), Safe Harbor 401(k), Solo 401(k) and Profit Sharing

  • Key Person Insurance

  • Buy-Sell Agreement Insurance

  • Executive Bonus Insurance

  • Supplement Executive Retirement Plans (SERP)

  • Cash Reserve

Income and Family Protection

As we navigate through life, it is important to consider planning for the future. One way to protect yourself and your loved ones financially is through a life insurance policy. But with so many options available, it can be overwhelming to decide which type of policy is right for you. That's where we come in. Our team of professionals are knowledgeable and trustworthy, and we are here to help guide you through the decision-making process. Together, we will assess your unique needs and determine which type of life insurance policy is the best fit for you and your family. It's never too early (or too late) to plan for what's ahead, so let's work together to secure your future.

Our life insurance services/strategies include the following -

  • Permanent or Whole Life Insurance and Term Life Insurance

  • Asset Protection and Mortgage Life Insurance

  • Tax Deferred Cash Value Growth

  • Living Benefit and Tax Free Income

  • Death Benefit and Legacy Planning

  • Infinite Banking

Estate Planning

Creating an estate plan isn't something that most of us want to think about. However, planning ahead can provide peace of mind for both yourself and your loved ones. At Upstar, we can help you navigate the process and ensure your assets are distributed according to your wishes. Without a plan in place, your assets may end up in the wrong hands or subject to unnecessary taxes and fees. By crafting an estate plan, you can take control of your legacy, protect your family's financial future, and create a lasting impact. Don't wait until it's too late - begin your estate planning process today.

Our estate planning services include the following -

  • Trust and Will

  • ILIT (Irrevocable Life Insurance Trust

  • IDGT (Intentionally Defective Grantor Trust

  • Gift Tax and Estate Tax Strategy

  • Life Insurance

Questions before getting started? Get in touch.