“KNOW WHAT YOU OWN, AND KNOW WHY
YOU OWN IT.”
– PETER LYNCH
In order to meet the financial needs of our clients, we assist with strategies that maximize wealth accumulation, generate liquidity, generate income, meet personal liabilities, and facilitate additional security. Our goal is to provide our clients with a seamless financial infrastructure that meets their individualized objectives in a compliant, tax-efficient manner irrespective of where they operate or reside.
Over the years, we have witnessed the increasingly globalized lifestyles of our clients and currently represent residents in over 40 countries. At Hotaling Insurance Services, the majority of our clients have multijurisdictional considerations, as they have interests as well as assets in various regions of the world. It is common for our clients to have multiple residencies and/or citizenships.
Hotaling Insrance Services empowers U.S. expatriates (expats) and non-U.S. citizens to understand how they can meet and exceed their financial goals. Our comprehensive multiphase process allows our clients to understand their financial situation and to develop an effective approach that is designed to help mitigate certain risks while simultaneously maximizing their financial and future income potentials.
Through careful analysis and best practice standards, Hotaling Insurance Services ultimately delivers personalized strategies which ensure that the appropriate solutions are delivered and maintained.
Fact find and perform cursory review of client’s objectives
We partner with the client’s current advisory team in order to ensure that any and all planning strategies work in coordination with that client’s financial landscape and objectives
We present our client’s with our findings based upon their personal objectives
The selected plan is implemented in concert with the client’s advisory team
The implemented plan is monitored in order to ensure that it remains in compliance and aligned with a client’s evolving objectives
Hotaling Insurance Services team is familiar with the financial planning complexities that are attributed to the Foreign Account Tax Compliance Act (FATCA). We have established active offices within the United States and Europe in order to diligently service our clients on a real-time basis while staying current with the international financial, accounting and estate-planning communities. In order to better communicate these complex planning, accounting and insurance strategies, Hotaling Insurance Service works in coordination with FVB de Boer Financial Consultants. This partnership provides our clients with a number of offerings that solve many of the obstacles that U.S. expats and non-U.S. citizens encounter daily.
ANTOINE DE SAINT-EXUPERY, FRENCH WRITER.
Jeffrey is a recognized expert in the areas of insurance, estate and business continuity planning for affluent individuals, families and business professionals within the United States and abroad. In 2003, Jeffrey launched his professional career at Arnone, Lowth & Associates where he gained significant knowledge in the implementation of rarely utilized insurance and next generational planning strategies.
In 2013, Jeffrey founded Heritage Preservation Group (HPG) where he was able to implement his unique vision and business model to better serve his clients. It was also during this time that Jeffrey diversified his business strategy to include international succession and financial planning for his U.S. clients, non-U.S. clients, and multinational corporations. While completing this, Jeffrey established a global network and refined his turnkey planning approach in order to accommodate his clients’ evolving lifestyles and objectives.
In 2016, HPG rebranded into FOXROC in coordination with strategic global partners. FOXROC has now become a leading global insurance and succession planning firm with the capabilities and infrastructure to accommodate the planning needs of high net worth families and multinational corporations, no matter where they are located.
Jeffrey frequently lectures to many prominent accounting firms, law firms and independent financial firms within the United States and in Europe on topics that include the application of estate planning strategies (domestic and international), business continuity planning, U.S. and international life insurance strategies, the Foreign Account Tax Compliance Act (FATCA) and Regulation (EU) No. 650/2012, more commonly referred to as Brussels IV.
Jeffrey studied Systems Engineering with a pre-law emphasis at the U.S. Military Academy at West Point where he played for the varsity ice hockey program. In addition, Jeffrey is a Certified Estate Planner from his studies at The American Academy of Certified Estate Planners and became a Chartered Life Underwriter (CLU) from his studies at The American College.
Lori Balcuk launched her professional career in 2005 as an elementary school teacher on Long Island, NY
In 2014, Lori elected to leave the educational field in order to join FOXROC as an Executive Assistant where her core focus was supporting FOXROC’s leadership team. In 2016, Lori’s role within FOXROC evolved as she transitioned into the Director of Client On-Boarding & Services. Lori’s core responsibilities within FOXROC includes client on-boarding and the management of client servicing. During her time at FOXROC, Lori has played an integral part in refining the turn-key methodology that FOXROC implements with their clients as well as streamlining many of FOXROC’s internal protocols.
Lori Balcuk has a Master of Science degree in Literacy and a Bachelor of Science degree in Childhood Education, both from Long Island University.
Ms. Balcuk resides in Dix Hills NY.
Provides insight on strategic choices facing Hotaling Insurance Services global presence, and works to broaden and enhance the firm’s increasing market share.
José has an established reputation as a leading specialist of expat mortgages, financial planning and life planning throughout the Netherlands. José founded FVB De Boer Financial Consultants 20 years ago with a “serve first” philosophy. As a result of this service-driven business model, José and her team have grown FVB De Boer Financial Consultants into the premier expat mortgage provider.
José is fluent in Dutch, English, French and German which allows her to communicate with clients in their language, thus overcoming many barriers that are typically encountered within the international financial community.
She is passionate about a number of causes within the local community, offering support to the local soccer club and numerous animal causes locally and internationally.
José is an authorized Insurance provider, she holds a master’s degree in Financial Planning (MFP) from RSM Erasmus University, a Registered Life Planner (RLP) designation from George Kinder institute and is registered and licensed with the AFM (Dutch Financial Services Authority).
Life insurance products are complex financial instruments that need to be actively managed. Hotaling Insurance Services operates with the understanding that an insurance product’s performance must be measured continuously and not just at policy issuance. This commitment to in-force policy management is a distinguishing factor from our competitors, and it ensures that our clients are maximizing the economics of their premium dollars.
The Uniform Prudent Investor Act (UPIA), which has been widely adopted throughout the U.S., gives a fiduciary duty to trustees not just with investments, but also any life insurance products held in Trust. As such, legal judgments are measured by death benefit, not account values. In response, Hotaling Insurance Services assists trustees in developing a process to manage Trust Owned Life Insurance (TOLI).