Licensed in all 50 states
Insurance, estate and capital planning for business owners and families.
We help owners and families put the right structures in place: life insurance that builds cash value, trusts that keep an estate out of probate, negotiated relief on business debt, commercial financing, and the entity behind it all.
Nathan Buzzell
What we do
Six areas of practice, from life insurance and trusts to business debt, commercial financing and entity work. Most clients come to us for one and end up needing two or three.
Indexed Universal Life (IUL)
Cash value that grows with an index, without index losses
Permanent life insurance with a cash value account credited against a market index. Growth is capped in strong years, but a contractual floor means index declines do not reduce your account value.
Strategic Execution Capabilities
The company pays the premium and deducts it as compensation. Often used to retain senior staff.
The death benefit passes to named beneficiaries income-tax-free and outside probate.
Splitting cash value across capped point-to-point and volatility-controlled index options.
Policy loans for financing
Borrowing against cash value instead of going to a bank
Using the cash value of a permanent policy as collateral for loans. Because you borrow against the policy rather than withdrawing from it, the full account value continues to earn interest while the loan is outstanding.
Estate planning and trusts
Passing assets on without probate
Wills, trusts and directives that set out who receives what, keep the transfer out of probate court, and reduce the tax and administrative burden on the people who inherit.
Debt mediation and restructuring
Negotiating with creditors to restore cash flow
Direct negotiation with creditors, lenders and merchant cash advance funders to reduce balances, extend terms and replace unsustainable payment schedules — generally as an alternative to filing.
Commercial capital
Sourcing debt and working capital
We place commercial borrowers with lenders — banks, private credit funds and specialty finance — for acquisitions, property, equipment and working capital.
Entity formation and restructuring
Setting up, reorganizing and closing companies
Choosing and filing the right entity, keeping it in good standing, reorganizing it as the business changes, and winding it down cleanly when it has run its course.
Key person and buy-sell coverage
Insuring the people a business depends on
Coverage that gives a company cash when it loses an owner or a person it cannot easily replace, and funds the agreement that decides what happens to their share.
Backed by Top AM Best A+ Rated Domestic Carriers
Our Universal Index Policies, executive benefits, and estate liquidity portfolios are underwritten exclusively through America's highest-capitalized mutual and institutional carriers.
Worth understanding first
Know what you are buying
These products get sold with a lot of noise around them. Here is the plain version, including the parts that work against you.
Part of your premium buys the death benefit. The rest goes into a cash value account. That account earns interest based on how an index like the S&P 500 performs — but you are not invested in the market, and you do not own shares or receive dividends.
Two numbers decide what you actually earn. The cap is the most you can be credited in a good year, often somewhere between 8% and 12%. The floor is the least, and it is usually 0%. So if the index drops 20%, you are credited nothing rather than losing 20%.
The trade is straightforward: you give up the best years to be protected in the worst ones.
The catch
Costs come out of cash value every month and rise as you age. An underfunded policy can collapse decades in, taking the coverage with it. Funding level matters more than the illustration.
Tell us what you need
Fill this out and we'll come back to you with something concrete — an illustration, a structure, or a straight answer about whether we can help.
Estimate an IUL policy
A rough projection of how cash value could build, what a 0% floor does in a down year, and what you might borrow later. Illustrative only — a real quote comes from the carrier after underwriting.
Your details
Good health with minor managed conditions. Most applicants land at or near this tier.
Distributed via non-taxable policy loans under IRC § 7702 & § 72(e) without triggering ordinary income tax.
Speak Directly with Nathan Buzzell
Senior Managing Director • Nationwide Advisory
Every Universal Index Policy is custom-engineered against specific carrier mortality tables and IRS contribution limits. Call or email for immediate illustration review.
Why your state matters
The same plan is not the right plan everywhere
Buzz Capital Solutions LLC is licensed in all 50 states, which matters less than the reason it needs to be. Trust law, creditor protection and entity rules are set state by state, and the gaps between them are wide enough to change the recommendation entirely.
Where a trust is formed
A trust is governed by the law of the state it is formed in — not necessarily the state you live in. That is why people form trusts elsewhere.
- How long it can last
- Most states still apply a rule against perpetuities that forces a trust to end, often roughly 90 years after it is created. South Dakota, Nevada, Delaware, Alaska and Wyoming are among those that repealed or sidestepped it, so a trust there can continue for generations.
- Whether the state taxes it
- Some states tax trust income based on where the trustee or beneficiary sits. Others impose no state income tax on trusts at all, which is a large part of why South Dakota and Nevada attract out-of-state trusts.
- Self-settled protection
- A minority of states let you create a trust, remain a beneficiary of it, and still keep it beyond the reach of future creditors. Most states do not allow this at all.
What your home state protects
Creditor protection is set by the state you actually live in, and the range between states is enormous.
- Homestead exemption
- Florida and Texas protect home equity essentially without a dollar cap, subject to acreage limits and a qualifying period. Other states cap it far lower — in some, at only a few thousand dollars.
- Life insurance and annuities
- Many states shield life insurance cash value and death benefits from the policyholder’s creditors. How much is protected, and whether it depends on who the beneficiary is, varies state by state.
- Community property
- In Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin, most property acquired during a marriage is owned jointly by default. That changes how an estate plan has to be written.
Where the company is registered
Entity rules, filing costs and ongoing obligations are set per state, and registering in the wrong one creates work rather than saving it.
- Series LLCs
- Delaware, Texas, Nevada, Illinois and Tennessee are among the states recognising series LLCs, which hold separate asset pools inside one entity. Many states do not recognise them, which matters if you operate across state lines.
- Annual cost and reporting
- Some states charge a flat report fee of well under a hundred dollars. Others levy franchise taxes that scale with revenue or capital. California, for instance, applies a minimum annual franchise tax to LLCs doing business there.
- Registering out of state
- Forming in Delaware or Wyoming while operating somewhere else usually means registering as a foreign entity in your home state too — two sets of fees and filings, not one.
General information, not legal or tax advice. These rules change, and how any of them apply depends on your circumstances — we confirm the specifics for your state before anything is drafted or filed.
Next step
Thirty minutes, and you will know whether any of this fits.
No illustration, no pitch deck. We go through what you own, what you owe and who depends on you, and you leave knowing which of these is worth your time — including when the answer is none of them.