With more than 40 years of experience, Daniel Rosenberg helps individuals, families, and business owners navigate life's most important financial decisions.
From retirement income planning and insurance strategies to business succession, premium financing, estate planning, and wealth preservation, every recommendation is tailored to your unique goals—not a one-size-fits-all solution.
Explore our comprehensive financial solutions and discover strategies designed to protect your wealth, preserve your legacy, and provide confidence for every stage of life.
Comprehensive financial strategies designed to protect, grow, and preserve your wealth through every stage of life.
We can help you design Succession Plans, Deferred Compensation Arrangements, and Qualified Retirement Plans. What would happen to your business if something unforeseen occurs to you, a co-owner, or a key employee?
There are steps you can take to help mitigate these risks which may threaten the viability of your business and your family legacy. Have you thought about how much you need your business to be worth to maintain your current lifestyle in retirement?
There are strategies to help you build assets outside the business so you aren't solely dependent on the business to fund your retirement. Do you have a plan to attract and retain top talent? Our institutionally priced solutions can offset the costs associated with employee benefit programs and help manage business risks associated with the loss of highly compensated key employees while serving as a tax-efficient balance sheet asset.
Life insurance premium financing involves taking out a third-party loan, individually or as part of a group, to pay for a policy's premiums. As with other loans, the lender charges interest, and the borrower repays the loan in regular installments until the debt is satisfied or the insured passes away, at which time the balance is typically paid off using the insurance proceeds.
When structured properly, loan payments may also be funded from the policy's cash value. This strategy may benefit High-Net-Worth Individuals (HNWIs) who prefer not to liquidate valuable assets to pay significant life insurance premiums upfront.
A recent study showed that nearly 52% of Americans own life insurance to help ensure their loved ones remain financially secure should the unexpected occur.
Premiums vary significantly depending on policy type, age, health, lifestyle, and the amount of coverage selected. For larger policies, annual premiums can easily exceed $100,000 per year.
Premium financing allows qualified individuals to borrow at competitive rates while keeping their investment portfolios intact and potentially earning a greater long-term return than the financing cost. It may also help avoid triggering capital gains taxes that could result from liquidating appreciated assets to pay premiums directly.
If you are interested in Premium Financing, we invite you to schedule a confidential consultation to determine whether this strategy is appropriate for your financial goals. Together we can review your eligibility, explain the process, discuss potential costs, and evaluate the benefits based on your unique circumstances.
Estimate your protected growth, guaranteed lifetime income, or fixed-rate annuity options with our easy-to-use calculator and discover strategies that can help protect your retirement.
Launch CalculatorRosenberg Wealth Management has a unique perspective from not only building and branding investment products—including Mutual Funds, ETFs, REITs, Hedge Funds, and Insurance Solutions—from inception, but also guiding those products through the extensive due diligence process required by many of the industry's largest broker-dealers.
Our experience includes working with respected financial institutions such as Merrill Lynch, UBS, Raymond James, BB&T, Morgan Stanley, Wells Fargo, and others, providing firsthand knowledge of the rigorous standards required before investment products are made available to advisors and clients.
In addition, we have spent more than two decades traveling alongside portfolio managers from many of the world's leading investment and insurance companies, gaining invaluable insight into institutional investment strategies and risk management.
Every client relationship begins with an honest conversation focused on understanding your goals—not selling products.
Our objective is to help you develop a comprehensive Investment Policy Statement (IPS) that serves as the foundation for every financial decision. Rather than reacting to daily market headlines, we emphasize disciplined planning, long-term strategy, risk management, tax awareness, and low-cost portfolio construction.
All investment management is fee-based, and your assets are managed by experienced portfolio managers with whom we have built long-standing personal and professional relationships.
Rosenberg Wealth Management, LLC has selected Charles Schwab & Co., Inc. as the primary custodian for our clients' investment accounts.
Schwab Advisor Services provides custody, trading, and operational support to independent Registered Investment Advisors, allowing us to focus on delivering personalized financial guidance while your assets remain securely held at one of the industry's most respected custodians.
As a registered broker-dealer and member of the Securities Investor Protection Corporation (SIPC), Charles Schwab is subject to regulations designed to help protect assets held in eligible brokerage accounts.
Preserve family wealth, simplify trust administration, and provide long-term stewardship through Charles Schwab Personal Trust Reporting and Administrative Trustee Services.
Charles Schwab Personal Trust Reporting Services help simplify the ongoing management of trust assets while ensuring your loved ones are cared for today and in the future.
Services include principal and income reporting, detailed trust reports, scheduled distributions to beneficiaries, comprehensive recordkeeping for trust assets, and consolidated reporting for both trust and non-trust assets through one trusted custodian.
Charles Schwab Administrative Trustee Services provides experienced trust administration while allowing your advisor to remain focused on managing your investments.
As a corporate trustee, Charles Schwab delivers continuity beyond the lifespan of individual family members, helping ensure your wishes are carried out consistently for future generations.
Charles Schwab also administers qualifying trusts in Delaware, allowing clients to benefit from one of the nation's most favorable trust jurisdictions.
Delaware trust laws may provide additional flexibility, enhanced asset protection, and long-term administrative advantages depending on your estate planning objectives.
Learn how Charles Schwab Trust Services can simplify trust administration while helping preserve your wealth for future generations.
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For ultra-high-net-worth individuals and families, we provide access to institutional-caliber wealth management through Charles Schwab and BlackRock Investment Management. Our Family Office solutions combine sophisticated investment management, private banking relationships, trust services, and personalized support designed to preserve and grow wealth for generations.
Why limit your family’s financial future to traditional brokerage accounts? Through Charles Schwab and BlackRock Investment Management, we help establish comprehensive Family Office solutions that provide institutional resources, proprietary technology, world-class investment management, and strategic guidance tailored to the unique needs of affluent families.
Our clients benefit from carefully selected banking, lending, trust, charitable planning, and private wealth solutions through Charles Schwab Bank and other premier providers. We also coordinate access to respected third-party professionals across every aspect of serving ultra-high-net-worth families while maintaining the highest standards of privacy and confidentiality.
Working alongside Charles Schwab, your Family Office receives concierge-level support including a dedicated relationship liaison, senior banking resources, experienced trading professionals for alternative investments, operations specialists, compliance experts, and product specialists—all working together to deliver responsive, personalized service.
True wealth extends beyond financial assets. Our Family Office relationships provide opportunities to connect with an exclusive network of family office professionals, industry experts, and thought leaders. Through curated events, shared insights, and meaningful relationships, families gain valuable perspectives that help preserve relevance and prosperity across generations.
Protecting your family's wealth is paramount. Charles Schwab employs multiple layers of physical and digital security, rigorous privacy safeguards, and proactive fraud prevention measures. As an added level of confidence, the Schwab Security Guarantee covers 100% of losses resulting from unauthorized activity on eligible Schwab accounts.
Discover how our Family Office services can help simplify complexity, protect your legacy, and provide your family with institutional-level resources and personalized guidance for generations to come.
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