Novo Advisory Group | Private Wealth & Insurance Architecture

Our Role

We Are Financial Architects.

Legal structures define the plan. We provide the funding.

Novo Advisory Group sits on the same side of the table as your legal and tax counsel. We engineering the financial instruments—specifically high-design Life Insurance and Annuities—that ensure those legal structures perform as intended.

Whether funding a Buy-Sell agreement, equalizing an estate, or providing liquidity for estate taxes, our work turns abstract legal concepts into funded realities.

30+ Years Experience

$2.5B+ Coverage Placed

Strategic Expertise

Specialized Funding Design

Technically sound strategies for significant wealth preservation.

Indexed Universal Life (IUL)

Sophisticated design offering market-linked growth potential with floor-based downside protection. Ideal for long-term wealth accumulation and tax-efficient legacy transfer.

Fixed & Indexed Annuities

Engineered income streams and principal protection. We source institutional-grade contracts for balance sheet stabilization and guaranteed retirement liquidity.

Buy-Sell Funding

Securing corporate continuity by providing the immediate liquidity required to execute Buy-Sell agreements, protecting both the business and the founder's heirs.

Infinite Banking Concepts

Private capital strategies using high-cash-value life insurance to provide liquidity control, recapture interest, and build a versatile family banking system.

Roth Conversion Strategy

Coordinated tax-efficiency planning for qualified assets. We model the impact of conversions to maximize after-tax wealth for multigenerational distributions.

Bespoke Design

Custom-engineered solutions for estate liquidity, key person retention, and cross-border planning for Foreign Nationals.

Strategic Partners

Institutional Carriers

Partner Perspectives

The Verdict of Bespoke Planning.

"Discretion is our cornerstone. While our clients' privacy is paramount, their results speak to the technical soundness of our funding design."

"Novo Advisory Group helped us identify a $12M U.S. estate tax exposure. Their coordination with our attorneys to implement the insurance funding was seamless and technically sound."

Private Business Owner | Mexico City / Phoenix

"Structuring our multi-generational trust required more than just a document; it required capital. They designed the policy architecture that preserves our family legacy with precision."

The Sterling Family Office | Estate Trust Design

Leadership

Managing Partners

Fred Bates

Managing Partner | Private Client Strategy

With over three decades of industry leadership, Fred acts as the bridge between institutional carriers and ultra-high-net-worth families. His deep, direct relationships with chief underwriters allow him to negotiate favorable terms for complex, high-stakes cases that standard channels simply cannot accommodate.

Spencer Schofield

Managing Partner | Director of Operations

Spencer oversees the technical architecture of the firm's concierge service model. He ensures that the implementation of complex insurance strategies is executed with precision, leveraging advanced analytics and seamless coordination with client advisory teams.

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The Collaboration Protocol

Discovery & Audit

We review existing portfolios and estate goals in concert with legal counsel. We identify liquidity gaps, tax exposures, and inefficiencies in current coverage.

Architectural Design

We engineer a funding strategy using proprietary products and negotiated underwriting offers. We stress-test the design against market volatility and tax law changes.

Execution & Stewardship

We coordinate the medical underwriting with white-glove discretion, place the policy within the trust, and provide ongoing performance audits to the family office.

Complexity Turned
Into Clarity.