Our experts assess your risks and design policies that offer comprehensive coverage, ensuring you're prepared for the unexpected. Innovative products designed for professionals, business owners, executive officers and employees.

403(b) / 457

A 403(b) plan (also called a tax-sheltered annuity or TSA plan) is a retirement plan offered by public schools and certain 501(c)(3) tax-exempt organizations.. A 457 plan is a tax-advantaged retirement savings plan offered to employees of many state and local governments and some nonprofit organizations. Like the better-known 401(k) plan in the private sector, the 403(b)/457 plans allows Employees save for retirement by contributing to individual accounts. Employers can also contribute to employees’ accounts.


Kai-Zen® is a method of financing a plan that is not tied to the company and provides the agreed funds directly to the business after a partner has left. This allows the departing partner to receive their funds without any restrictions, while the remaining partners can avoid burdening the business with additional costs.

Kai-Zen® offers several benefits, including the potential for more accumulation, maintaining your current lifestyle, greater protection for you and your family, and the ability to diversify your assets. To qualify, you must have a combined household income of at least $100,000 per year, be between the ages of 18-70, in good health, and able to contribute a minimum of $22,000 per year.

Recruiting and retaining high-quality talent is the top priority for CEOs. Losing even just two or three key employees could have a significant impact on your business. It’s a well-known fact that corporations are losing valuable talent to competitors. Additionally, the workforce is expected to shrink by 16 million over the next 10 years. Therefore, it’s crucial to have a plan to distinguish your benefits from those of your competitors.

Term insurance has long been used as the conventional solution for key man applications, but it’s time for a more advanced approach. In reality, only about 20% of the population passes away before retirement, which means that term insurance is effective only 20% of the time. In contrast, Kai-Zen offers a solution for a variety of issues such as key persons leaving the company, retirement, chronic illness, and more. When compared head-to-head with term insurance, Kai-Zen outperforms it in every way.

Partner buyouts are meant to be straightforward, but many business owners don’t see the need for planning. It’s common to come across situations where partners express interest in being bought out but are hesitant about the practicalities involved. They often ask themselves, “Can I rely on the business to continue generating revenue once I’m gone?”

Business Succession program addresses the importance of ensuring the continued success of your business beyond your departure, as well as the preservation of family relationships. With Kai-Zen, you can create a plan that takes into account the various interests and goals of your partners, siblings, and successors, even if they do not want to be involved in the business. This can help avoid conflicts and ensure a smooth transition of ownership and management.


Tri-Zen® is a strategy that enables pre-tax benefits by leveraging employer contributions and bank funds to triple the premiums invested in a cash accumulation life insurance policy (IUL). This approach involves using the policy as collateral for the bank loan.

Advanced Markets

Advanced Markets is one of the innovative products and services that Libron Duerme & Associates offers to high-net-worth individuals and business owners. This service provides tailored and sophisticated strategies to help you maximize your wealth while minimizing taxes and risks. 

Our team of experienced financial advisors and underwriters work together to develop unique and customized plans to fit your specific financial goals and needs. Whether you are looking to minimize your estate tax liability or plan for business succession, we have the expertise and resources to help you achieve your goals. Trust us to help you navigate the complexities of the financial landscape and secure your financial future.