Premium Financial Advisory Service

Where Custom Tax Strategies Meet Smart Insurance Planning

We work with high-income professionals, business owners, affluent families, and entrepreneurs to develop powerful, tax-efficient solutions designed to reduce or eliminate income and estate taxes.

$500K+

Typical Client Annual Income

$5M+

Typical Client Net Worth

20+

Years of Experience

Our Expertise

What We Do

At Roney Insurance Solutions, we operate at the intersection of advanced life insurance design, tax planning, and estate preservation.

Custom Tax Strategy Development

The U.S. tax code is complex, but it offers strategic opportunities for those who know where to look.

Reduce or eliminate income tax liabilities
Minimize or avoid estate and gift taxes
Defer taxes using qualified and non-qualified plans
Use charitable giving for tax advantages

Premium Financed Life Insurance

A powerful tool for clients looking to obtain large life insurance policies while preserving cash flow and liquidity.

Leverage low-interest loans to pay premiums
Preserve capital for investment opportunities
Strong modeling and risk management
Long-term exit strategies

Estate Planning That Works

If your estate plan hasn't been updated in the last 3–5 years, it's likely out of date.

Avoid probate and minimize legal exposure
Control the transfer of wealth
Reduce estate taxes through trusts and gifting
Protect heirs and ensure continuity

Retirement & Income Planning

For successful individuals approaching retirement, tax-smart income planning is critical.

Access tax-free income in retirement
Avoid Required Minimum Distributions
Exit IRAs and 401(k)s strategically
Create guaranteed lifetime income

Charitable Giving Strategies

Giving back doesn't have to be at odds with smart financial planning.

Offset income from business sales
Reduce capital gains
Eliminate estate tax exposure
Tax-efficient transfers to heirs and charities

Our approach is holistic, strategic, and completely custom to you. We partner with your existing team of CPAs, estate attorneys, and financial advisors—or bring in our own vetted experts—to develop coordinated, high-impact plans tailored to your goals.

Our Clientele

Who We Serve

At Roney Insurance Solutions, we operate at the intersection of advanced life insurance design, tax planning, and estate preservation.

Physicians & DentistsK+

Healthcare professionals seeking tax optimization

Business Owners

Entrepreneurs planning exit strategies

High-Income W-2

Professionals earning $500K+ annually

Real Estate Investors

Property investors with complex portfolios

Typical Client Profile

Income Requirements

$500,000+ annual income
Complex tax situations
Multiple income sources

Net Worth Profile

$5M+ net worth
Estate planning needs
Legacy preservation goals

Our Process

How We Work Together

We follow a structured yet flexible five-step process designed to deliver exceptional results for your unique situation.

Step 1

Discovery Meeting

We learn about your goals, your financial picture, and what keeps you up at night.

Step 2

Strategic Design

We build a customized strategy incorporating tax, insurance, and estate elements.

Step 3

Plan Presentation

We walk you through your plan with detailed illustrations, projections, and options.

Step 4

Implementation

We execute the plan with top-tier carriers, financing partners, and legal support.

Step 5

Ongoing Review & Optimization

Life changes. So should your plan. We provide annual reviews and strategy updates.

Our Advantage

Why Clients Choose Roney Insurance Solutions

Independent & Unbiased

We're not tied to any one insurance carrier or investment provider. That means we recommend what's best for you—not what's best for someone's sales quota.

Deep Expertise

John M. Roney brings decades of experience in life insurance, tax planning, and estate strategy. Our team is highly trained in the tools, laws, and financial structures that matter most to affluent clients.

Collaborative Approach

We work in partnership with your tax, legal, and financial professionals—or bring in trusted advisors as needed. Every strategy is reviewed for cohesion, compliance, and optimization.

Results-Driven

At the end of the day, it's about results: tax saved, wealth protected, and legacy preserved. We're not just selling policies—we're engineering financial solutions.