Welcome to

EWP Financial, your best source for Expanded Worldwide Planning & Private Placement Life Insurance

EWP Financial embodies the six principles of Expanded Worldwide Planning which is one of the main elements of International Tax Planning. This is succinctly expressed in the opening paragraph of Wikipedia’s article on International Tax Planning.

“Our goal is to maximize your investment gains through strategies that minimize your worldwide tax burden.”

– Michael Malloy CLU TEP RFC

Hello. I’m Michael Malloy, founding partner of EWP Financial. I began my career over 40 years ago as a risk management consultant. I published the Life Insurance Law Newsletter, and have written two books on Private Placement Life Insurance, PPLI: The PPLI Papers and The Wit and Wisdom of Professor PPLI. Managed several companies: Malloy Insurance Services, Advanced Financial Solutions Inc., Michael Malloy Solutions and presently EWP Financial.

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 Real testimonials from clients who have not required anonymity


“I have had the pleasure to meet Mr. Michael Malloy through family relations. Though we have not had any business relations as such, we have had a number of conversations about his professional activities because of my own interest, as in Germany, his field of expertise in international finance falls under the jurisdiction of my Senate.
Based on these conversations, I have a firm impression that Mr. Malloy is a wise and knowledgeable man of great integrity. He does not measure his professional success by his own short-term business expectations, but much more so in the economic interests of his clients. He has a profound knowledge of economic relationships, including their international ramifications, as well as a keen sense of possible future developments. Together, these two aspects enable him to have a highly accurate analysis of complex economic situations. This in turn lets him carefully weigh the opportunities and risks of various investment strategies. Additionally, Mr. Malloy has a clear view of tax and legal implications, and knows when and how to call in further expert professional advice in this area. On the basis of this, I feel I can highly recommend Mr. Michael Malloy’s professional services. The above is not subject to my liability as per the German Civil Code (see section 675 paragraph 2 of the German Civil Code.). I have given this statement to the best of my knowledge and belief.”

~ Ulrich Herrman Presiding Justice of the Federal Supreme Court, Germany ~

“Passion, knowledge, transparency and a genuine interest in achieving the best for clients are what makes a truly professional financial adviser. Michael Malloy has this and more. His dedication to clients, business excellence and education sets him apart, and I would highly recommend him to anyone wanting to receive outstanding financial advice.”

~ Javier Gavito, Gaia Capital Director General, Mexico City ~

“Michael is a quality person providing a positive influence to those with whom he interacts. His professionalism and knowledge of financial planning ensures there are no questions left unanswered in determining the right strategy for his clients. He is a real pleasure to deal with.”

~ Ann Lee, Member Board of Directors FOA Foundation Shanghai and Hong Kong ~


“Michael is one of the most well-engaged practitioners in the private placement life insurance (PPLI) space. He has deep technical knowledge, especially in North America, and addresses the key issues that private clients are facing in today’s evolving environment. Michael is able to create innovative solutions, thinking outside of the box, and he is an honest and reliable business partner to work with.”

~ Hogi Hyun, Abacus Capital Founder, Director, Singapore and Jakarta ~


“I have been a client of Advanced Financial Solutions, Inc. since 2003, and would highly recommend their services. They have assisted me with my complex financial structures, and I have been more than happy with the results.”

~ Hugh Lusted, Ph.D, Senstream Inc. Managing Partner, San Francisco ~

“Have been looking for some time for a provider that really has the skill and sophistication to ensure that family wealth flourishes across several generations. Many say they do, but don’t. Advanced Financial Solutions, Inc. (AFS) does. AFS combines the expertise pertaining to family wealth with a deep experience of working directly with wealthy
families. I would recommend them to anyone who wants to properly structure their assets to achieve the maximum amount of asset protection, privacy, and tax efficiency.”

~ Stephen Brent Wells Senior Managing Director at Solaris Advisors, LLC a division of KF Group LP, New York ~




“Our experience and expertise is here to serve you.  

We welcome your phone call or email message.

We are excited to find effective and secure solutions for you.”


Michael Malloy CLU TEP RFC, Founder Chief Advisor

New York



toll free worldwide

+1 877 811 5846

U.S. Office

+1 530 692 1007


e-mail:  mmalloy@ewp-financial.com

Michael Malloy


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