Build the Floor Before You Need It.
A personal financial floor built alongside the company — not dependent on the company's exit timing.
I call this building a 0% Floor™.
A private financial foundation designed to help a founder remain ambitious and concentrated in their company without making their entire personal balance sheet dependent on a single exit window.
0% Floor™ is the name of this framework and its objective — not a guarantee of investment performance, preservation of principal, or a specific policy outcome.
Contractual Foundation*
A contractual foundation designed around the guarantees and provisions available within the selected insurance structure.
Market-Linked Upside*
Participation in market-linked growth potential while maintaining the underlying contractual architecture.
Tax Efficiency*
Potential tax advantages when properly structured and subject to applicable law and policy terms.
Liquidity Optionality*
A potential source of liquidity that does not require selling concentrated company equity.
*Subject to the disclosure below.
The Floor™ is an architecture, not a single product.
Properly structured life insurance may be one implementation of the framework where appropriate. Suitability depends on the founder’s circumstances, objectives, risk tolerance, financial position and policy design.
Important Disclosure
Strategies are subject to policy terms, conditions, costs, limitations, and insurer claims-paying ability. Specific guarantees, if any, are determined by the terms of the actual insurance contract, the issuing insurer, funding levels, and policy design — they are not guarantees of investment return or preservation of principal. Individual circumstances determine suitability. Market-linked features do not eliminate investment or policy risk. Tax treatment depends on applicable law and individual circumstances; consult qualified tax and legal professionals.