What if there was a legal way to eliminate taxes on millions of dollars in investment gains—permanently? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Michael Malloy, a global authority on Private Placement Life Insurance (PPLI). With over 30 years of experience helping wealthy families protect and grow their assets, Michael shares how this little-known strategy can transform the financial future of entrepreneurs, real estate investors, and crypto holders.
Patrick and Michael dive into the structure and benefits of PPLI, how it fits into a larger wealth-building strategy, and why it’s one of the most powerful yet underutilized tools available to high-net-worth entrepreneurs. Listeners will walk away with a clearer understanding of how to reduce tax exposure, protect their assets from lawsuits or divorce, and create legacy wealth—without giving up control of their investments.
Key Takeaways:
- What Private Placement Life Insurance (PPLI) is and how it works
- Why PPLI is a powerful tool for entrepreneurs with $20M+ net worth or major liquidity events
- How PPLI can shelter crypto, real estate, and even business interests from taxation
- The role of investor control and why it's critical to get the structure right
- Real-life case studies that show both the potential of PPLI
- The importance of assembling the right team, including legal and tax experts, to execute this strategy
- How PPLI fits into a larger strategy to minimize taxes, protect wealth, and optimize legacy planning
Learn More About Michael:
Resources:
Visit www.vitalstrategies.com to download FREE resources
Listen to the podcast on your favorite app: https://link.chtbl.com/vitalstrategies
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Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative
Audio, video, research and copywriting by Victoria O'Brien
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