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Why is such an effective and legitimate tax mitigationvehicle such a closely guarded secret?A unique approach to increasing returns and enhancing security for yourbusiness or personal assets

They will give youaccess toinstitutional pricedmoney with little orno out-of-pocketexpense.Premium finance, but with a twist! Our unique Premium Funding model addresses the concerns some investors and their advisors mayrightly have about performance, especially when interest rates are high. Rising interest rates can meanthe investor is called upon to make up shortfalls in collateral or even premium payments – not alwayspossible and certainly never ideal.5 Avenue Group’s unique model provides a powerful solution and reassures investors and advisorsthis risk is mitigated. By using your assets as collateral and borrowing at institutional rates we deliver a far better outlook foryour financial future, especially when interest rates are volatile.Spill the beans!5 Avenue Group is committed to helping clients and their advisors takemaximum advantage of one of the few remaining legitimate and regulated taxreduction and mitigation products that benefits you, your family and yourbusiness security. Our unique model allows you to take advantage of long-term capital at institutional rates, with littleor no out-of-pocket expense.How?Our highly qualified partners will show you how to generate a largelump sum through life insurance funded by your own assets, ratherthan paying premiums.They can also introduce you to the use of a Separate ManagedAccount (SMA) with tax advantages - the Private Placement LifeInsurance Policy (PPLI). And finally Premium Funding.They will give you access to institutional priced money* with little orno out-of-pocket expense.th Option 1Option 2Option 3th

For example Our more robust and conservative approach addresses some of the concernsthat more traditional premium financing can raise eg the issue of sufficientcapital or income to pay premiums. 5 Avenue Group does this by using long term institutional capital and applyingsignificantly more collateral on day one than a standard premium financeproduct, collateral which is strengthened still further when wrapped in the SMA.Are you interested? Raw Land OtherThis model is oneof the best keptsecrets in thefinancial planningworld.LivestockRanches Collateral isstrengthenedwhen wrappedin the SMA It does exactly what it says on the can!Can you say yes to the following? Are you aged 25 - 70?Are you insurable?Do you have unencumbered assets or legacymoney worth $500k plus?Cash StocksBondsShares Real Estate Recurring Revenue Guaranteed ContractsCash Value Life Insuranceth

Did you know?However, combining this with a PPLI, using investor assets as collateral for the loan that pays thosepremiums, remains a well-guarded secret. Until now.Income and gains on assets are not generally subject to taxuntil a distribution is made from the policy.This delivers obvious tax benefits to both US and international investors and the tax-deferred compoundingmeans your assets can grow much faster than assets that are taxed on a current basis.At 5 Avenue Group our approach to the provision of the funding and the holding of the assets, allows us tocollateralize the premium and interest obligation in the most effective way for you.Assets are held in an SMA that carries no tax on growth – a PPLI. Combining the PPLI with a PremiumFinanced policy is where the magic happens – our unique Premium Funding model. It’s hard to imagine a moreeffective and legitimate taxmitigation vehicle. Michael Abraham, CEO, 5 Avenue GroupUS tax law allows for the tax-deferred build-up of assets in a qualifiedPPLI or Private Placement Variable Annuity (PPVA).How does 5 Avenue Group’s model work?Advisors and their high-net-worth clients understand the purpose and benefits of life insurance andof using bank borrowing. A properly structured life insurance policy with premiums paid from bank borrowing, PremiumFinance, is well known as a valuable financial tool for investors. This is something the ultra-rich haveknown about and been doing for years.th th th

Let's show you how it works in simple termsChris places net assets of $10m+ inSeparate Managed Account (a PPLI).Asset growth in this PPLI is nottaxed. And the final payment tobeneficiaries at death is also tax free. Chris takes out a$50m universal life policy. Why cover the cost ofpremiums out of your owncapital when you canborrow to cover them? How Rich Americans Live Off TheirPaper Wealth. Banks say the wealthy are borrowing more than ever, usinglow-interest loans backed by their investments.Chris is 41 next year. He wants toreduce his tax and increased securityfor his business and family byproviding beneficiaries with asubstantial lump sum free of taxwhen he dies. How can 5 AvenueGroup help him to do this in the bestway? At institutional rates from non-LIBOR based lendersLoans are off balance sheetNo personal guarantees requiredTerm < 50 yearsLittle or no out-of-pocket outlayby ChrisNet Collateral of $5.59m is requiredto pay the premiums on the lifepolicy. The PPLI provides anundertaking to keep the Prime bankcollateralized to a minimum of 105%of the outstanding loan. This is wherePremium Funding comes in: Chris has “collateralized hisobligation”. It is the bank thatborrows not him, so no personalguarantees. The need for thecollateral has historically beensatisfied within 10-15 years. The clever combination of these elements is what 5 Avenue Groupcall Premium Funding.th th

Premium Financing PPLI Premium Funding $500,000*$500,000$5millionAllows you to borrow atinstitutional rates tofund premiums – little orno out of pocketexpense to you. Delivers tax benefits and tax-deferred compounding meansyour assets can grow muchfaster than assets that aretaxed on a current basis.Allows you to borrow at institutionalrates to fund premiums – no out ofpocket expense to you. Delivers taxbenefits and tax-deferred compoundingmeans your assets can grow much fasterthan assets that are taxed on a currentbasis.What are the applications for our unique model? Death benefit planningIncome planningEstate planningPersonal life insurance for individuals, including 2nd to die insuranceBusiness security in the event of death of a partner or key employee - Buy/sell and key manFund golden handcuffs to secure and retain key hiresGroup life insurance for employeesThe opportunities to apply 5 Avenue Group’s approach are limited only by your imagination, but caninclude:And for your business:Which option is right for you?Minimum unencumbered assets.*institutional rate pricing above $5millionOption 1Option 2Option 3th

In Summary5 Avenue Group’s unique models allow you to take advantage of long-term capital at institutionalrates, with little or no out-of-pocket expense. You also enjoy higher returns as there is no tax ongrowth once inside our specialist wrapper. Tax free income can also be available plus the finalpayment to beneficiaries at death carries no tax.The combination maximises the spread between thecost of money and the long-term market gainsenjoyed by the policy – delivering you a much-enhanced financial outlook.Our model allows for investment of your currentlyowned assets, subject to diversification and assetmanagement rules. By using the 5 Avenue Groupmodel investors can achieve a higher level ofdiversification compared to a mutual fund or a 401(K) which may only support limited asset classes.Your chosen investment managers can customise yourinvestment to suit your risk appetite and deliver thepotential for higher returns. A significant benefit ofSeparately Managed Accounts within the PPLI, is theirfreedom to invest in assets unrestricted by insurancecompany mandates.Similarly, 5 Avenue Group’s customisation allows theinvestor to achieve a Values Based (ESG) Investment incompanies they feel are ethically beneficial and prohibitsecurities from less favoured segments of the economy. This model is one of thebest kept secrets in thefinancial planning world. Tax Free incomeTax Free growthTax Free to Beneficiaries th th th

Further readingA quick introduction to the basic life insurance policy. The use and operation of Premium Finance.The typical policy used can be seen here. www.5thavenue.groupinfo@5thavenue.group 242 S Washington Blvd., #163, Sarasota, Florida, 34236