We provide tailored solutions for the enhancement, protection and planning of international wealth for individuals, families, charities, and businesses.
NFP International understands the challenges and risks associated with structuring and protecting worldwide wealth. Experienced in multi-jurisdictional hurdles, we can help develop strategies and provide products that assist in the complex planning requirements of multinational clientele.
Specifically, we can help:
Analysts forecast that there will be USD $4.1 trillion1 passed from one generation to the next within the next 10 years. With this value expected to accelerate over the subsequent 20 years, it is imperative that individuals and families be prepared for this mass changing of wealth.
2014 - 20234.1
2024 - 20339.2
2034 - 204316
Over the next 30 years, bequests toward philanthropy by the global high net worth population (USD $30+ million) are expected to total approximately $300 billion (in 2013 USD). These estimates take into account current giving patterns, taxes2 and trends in philanthropic giving and wealth.
Philanthropy is a true passion of NFP International. We strive to make the world a better place by working with clients, advisors and non-government organizations to build plans designed to provide funds for the preservation and sustainability of current and future social causes for generations to come.
It is estimated that family businesses account for 60 to 90 percent of non-governmental GDP in most countries.3 Furthermore, these businesses constitute more than 60 percent of all companies in Europe and the Americas4 and 95 percent of all business entities worldwide.
As entrepreneurs ourselves, we understand the importance of protecting worldwide business interests and employees. Our approach can help outline and deliver short- and long-term business goals through:
An integral part of comprehensive wealth protection strategies, we can deliver asset and liability protection to high net worth individuals and organizations.
NFP International's centralized team consists of experts in the many aspects of international wealth planning needs. Dedicated solely to this platform, our team offers a boutique level of concierge service with institutional scale.
AN EXTENSIVE TEAM OFEXPERTS
NFP International is guided by a diverse group of highly experienced professionals who have one important commonality: an unwavering commitment to the protection of your worldwide wealth.
Kristin Bulat is a Tax Attorney with a J.D. and an L.LM. in Taxation. Kristin is currently Senior Vice President of Strategic Resources for NFP and PartnersFinancial. Kristin also heads up the Advanced Sales Department. Prior to joining NFP, Kristin worked as Associate Counsel for John Hancock Life Insurance Company where she developed a reputation as an industry leader in her field. She began her career as a tax and estate planning attorney in Boston, Massachusetts. Throughout her career, Kristin has been responsible for implementing complicated tax plans for individuals while guiding business development. She is a sought-after speaker within her industry and travels regularly in that capacity. Kristin is a member of the PartnersFinancial Board and serves on the Women’s Development and Legislative Committees for AALU.
Tomas Povedano has 20 years of experience leading high-level strategic planning and startup buildouts. He also has a unique history of domestic and global platform expansions (including the launch of Capital One's United Kingdom division).
Prior to NFP, Tom (who holds U.S., French and Costa Rican citizenship) served as Director of Business Development at Genworth Financial, a leading national life insurance company. He honed his life insurance and financial expertise as COO of Institutional Life Services - a startup life settlement platform founded by Goldman Sachs, Genworth and NFP.
Tom also helped found Live Well Financial, a reverse mortgage lender, originator and servicer. Tom earned a Bachelor of Business Administration in International Business from James Madison University, as well as a Master of Business Administration from the University of Richmond's Robins School of Business.
Kris Stegall is an expert in research, analysis and case design for the international marketplace. His expertise in U.S. tax law enables him to pinpoint potential jurisdictional issues before they arise, and allows him to develop comprehensive solutions that address unique or complex goals related to wealth planning, business planning and specialized risk management.
Prior to joining NFP, Kris served as the operations lead for national and global organizations looking to increase profitability and ensure cost efficiencies. He earned a Bachelor of Science in Applied Mathematics, with a Minor in Business Administration from Texas State University.
Amanda Zukowski provides advanced offshore and domestic premium financing expertise to multinational clients and their advisors. A unique resource in the international insurance market for over 10 years, Amanda is both a consultant and a case manager, who skillfully assesses clients' financial goals alongside their risk sensitivities. Leveraging relationships with top lenders around the globe, Amanda gets cases funded by top lenders, as efficiently and economically as possible. She is also adept at breaking down often complex loan terms into comprehensible options.
Prior to NFP, Amanda served as an actuarial analyst in the qualified retirement plan arena for Mercer Human Resource Consulting. She also served as an executive benefits analyst for an M Financial firm. Amanda earned a Bachelor of Science in Mathematics from the University of Texas at Austin.
Leveraging almost a decade of life insurance case design and sales experience, Celeste Moya is a Certified Translation Professional (Spanish), specializing in the Latin American market. Celeste works closely with clients' advisors, CPAs, banks and other third parties, to identify the unique multicultural challenges in this expansive market and to provide translation and communication support for error-free transactions.
Prior to NFP, Celeste served as a life insurance case designer for WaxmanCavnerLawson (A member of M Financial Group), focusing on individual life insurance for the high-net-worth market. She launched her career as a Farmers insurance agent focused on auto, home, life and commercial insurance.
A member of the Association for Advanced Life Underwriting, Celeste holds FINRA Series 6 and 63 certifications*, as well as licenses in Life & Health and Property & Casualty Insurance. Celeste graduated from Baylor University, in just two and a half years, with a Bachelor of Science in Neuroscience.
*Series 6 (Investment Company Products/Variable Contracts Representative (IR))
Series 63 (Uniform Securities Agent State Law Exam (AG))
Cindy Davis is a medical and financial justification expert and underwriting advocate trusted by insurance carriers worldwide, for over 25 years. Her extensive understanding of each carrier's complexities allows her to deftly navigate domestic and offshore life insurance requirements and deliver customized solutions.
Prior to NFP, Cindy was director of Underwriting for Volente Insurance Partners, where she worked closely with BBVA/Compass Bank to successfully expedite foreign national cases. Cindy served as senior vice president and chief underwriter for Financial Industries Corporation, as well as the director of underwriting for Great American Supplemental Benefits Group (where she specialized in long-term care and supplemental insurance). Cindy was also a senior underwriter at Primerica and began her career at Prudential. She earned a Bachelor of Arts in Economics, from the University of Georgia.
With over a decade of experience in the financial industry, Peter Chung transforms NFP's strong domestic partnerships with leading banks and wirehouses into superior international services for individuals, families, charities and businesses. His deep knowledge of international marketplace challenges and opportunities allows him to provide valuable guidance on the expansion of the NFP International platform across NFP globally through thoughtful sales and business development. The result is that ultra high net worth clients have additional outlets for protecting their global assets.
Prior to joining NFP, Peter served as the director of Professional Partnerships for PartnersFinancial. He originally came to NFP as a compliance analyst for NFP Securities, bringing with him years of experience as an investment advisor and financial consultant. Peter holds a Bachelor of Arts in economics from the University of Texas at Austin. He is Life and Health licensed in the state of Texas and holds FINRA Series 7, 24 and 66 licenses.*
*Series 7 (General Securities Representative (GS))
Series 24 (General Securities Principal (GP))
Series 66 (NASAA-Uniform Combined State Law Exam (AG and/or RA)).
An innovator in financial growth initiatives and change management, Matthew Douglas ensures that multinational clients and their advisors have access to a comprehensive platform of insurance solutions built on a solid foundation of service, excellence and integrity.
Notably, Matthew carries dual citizenship, giving him unique insight into the international prospective client base and the complex challenges of worldwide asset protection. Matthew has over a decade of specialized experience, working with high-net-worth life insurance firms on behalf of top-tier companies such as AXA Advisors, PartnersFinancial, The Hartford and Prudential.
Matthew is certified by FINRA with Series 7, 66, and Life & Health licenses*. He is a graduate of Lehigh University, with a Bachelor of Science in Finance.
*Series 7 (General Securities Representative (GS))
Series 66 (NASAA-Uniform Combined State Law Exam (AG and/or RA))