Fred Bates
Fred Bates brings over 20 years of specialized experience working exclusively with Ultra-High-Net-Worth Foreign Nationals. Fluent in Spanish, he bridges the gap for international clients, specializing in "Underwriting Arbitration"—the art of negotiating favorable offers for complex international risks that standard domestic carriers often decline.
Fred acts as the bridge between global wealth and U.S. liquidity. He has successfully placed jumbo-limit cases for clients across LATAM and Asia, navigating the intricate nexus of cross-border tax laws and medical confidentiality. When a legacy is on the line, Fred ensures the funding is secure, discreet, and technically sound.
Spencer Schofield
Spencer Schofield leads the firm's strategic design division, working closely with young business owners and high-income professionals. His focus is on the architecture of tax-advantaged accumulation, specifically utilizing Indexed Universal Life (IUL) structures to create tax-free retirement income streams.
A proponent of data-driven decision making, Spencer leverages advanced analytics to model long-term policy performance across varying market conditions. He translates complex actuarial data into clear, actionable strategies, ensuring that every design is optimized for efficiency, liquidity, and long-term sustainability.