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Professional Advisor Group Consulting
Unbiased Advice
Unmatched Expertise
Undeniable Results
Welcome to PAG Consulting
Globalization continues to increase the complexities involved in wealth transfer, estate and business planning for the world's high and ultra-high net worth families.
Responses to changes in political, economic and regulatory landscapes across the world, especially post-pandemic, have further altered family and wealth profiles.
More than ever, professional advisors to affluent Global Citizen clients must have enhanced expertise.
PAG Consulting is the industry leading expert in the design, implementation and maintenance of life insurance based planning solutions for globally connected U.S. and non-U.S. families and businesses.
We partner with our clients to supplement and expand their professional products and services offering, avoid the potential pitfalls that come with international life insurance planning and ensure a plan that meets the intended objectives compliantly and in the most efficient manner possible.
Who Qualifies as a "Global Citizen"?
In the U.S. life insurance industry, the term "foreign national" is commonly used as a catch-all term to categorize high and ultra-high net worth clients who are not U.S. persons physically living in the United States.
At PAG Consulting, we believe "foreign national" is far too U.S.-centric in its perspective and is often a misnomer. Instead, we prefer the term "Global Citizen", which has a broader meaning and properly describes the wide range of potential client profiles, which include:
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U.S. Citizens and U.S. Permanent Residents living abroad;
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Non-U.S. Citizen, U.S. Permanent Residents living in the U.S.;
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Non-U.S. Citizen, Non-U.S. Permanent Residents living in the U.S.;
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Non-U.S. Persons living outside of the U.S. with ties to the U.S.; and
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Non-U.S. Persons living outside of the U.S. without ties to the U.S.
Not only can the planning needs for each of these profiles differ, the potential solution design, structuring, funding, and tax considerations can also differ; often substantially. That's where PAG Consulting comes in!
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