CERTUM

Is this actually legitimate, compliant, and defensible long-term?

Yes. CERTUM is built entirely on established sections of the U.S. tax code that have existed for decades. We do not use gray-area strategies, loopholes, or aggressive interpretations. Everything we design follows well-defined IRS frameworks that are commonly used by corporations and closely held businesses when structured and administered correctly.

How much income can be redirected?

The amount depends on your income, entity structure, and cash-flow stability, which is why CERTUM starts with modeling — not assumptions. For owners at this level, it’s common for a meaningful portion of excess cash flow to be intentionally redirected into a mix of tax-deductible pension structures and non-deductible income and liquidity structures, when designed correctly. CERTUM does not use templates or fixed percentages. Every structure is customized, stress-tested, and built to remain compliant and sustainable as your business evolves.

How liquid is this, really?

Liquidity is designed, not assumed. CERTUM intentionally allocates capital across liquid, income-focused, and long-term structures so you have planned access to capital without relying on asset sales or market timing. Access rules are defined upfront, ensuring liquidity is predictable and doesn’t compromise the overall strategy.

How much time and involvement does this require from me?

Approximately one focused hour per week. CERTUM is designed to reduce mental load, not add to it. Your role is limited to high-level decisions and reviews, while our team handles coordination, execution, and follow-through. The goal is fewer decisions, clearer direction, and less time spent reacting to financial issues.

How is CERTUM different from just hiring a better CPA or financial advisor?

CERTUM doesn’t replace your CPA or advisor — it provides the structure they work within. Most business owners already have good professionals, but their advice is fragmented and reactive. CERTUM designs and oversees a coordinated tax, income, and compensation system so every decision is aligned, defensible, and built to last. For clients seeking new representation, our CPA, accounting, TPA, insurance, and advisory professionals are available in-house.

What happens if my income changes, I sell the business, or my situation evolves?

CERTUM is designed to adapt as your life and income change. All structures are built with flexibility, optionality, and exit paths in mind. Contributions can be adjusted as income fluctuates, strategies are reviewed regularly, and nothing is implemented without considering how it can be modified, paused, or unwound if circumstances change. If you sell your business, restructure, or experience a major life shift, the architecture is revisited and rebalanced — not abandoned. The goal is durability over time, not locking you into assumptions that no longer apply. CERTUM is not a one-time setup. It is an evolving system, designed to move with you, not trap you.

Is this mostly about insurance—or is insurance just one component?

Insurance is one component, not the strategy. CERTUM is system-first, not product-first. We start by designing the tax, income, and compensation architecture. Insurance is used only when it serves a specific role within that system—such as liquidity, income smoothing, or risk transfer—and only if it’s the right tool for that job. If insurance isn’t appropriate, it isn’t used. The strategy drives the tools, not the other way around.

Who is accountable for the whole outcome?

CERTUM is accountable — led directly by our Managing Partner and Chief Strategy Officer, Jamal Hansen. You’ll work with Jamal hands-on as he designs and oversees your income, tax, and asset-protection architecture. He advises multiple 8-figure+ entrepreneurs and specializes in complex structuring, risk mitigation, and advanced tax strategy. CERTUM serves as the quarterback of your financial system—owning the structure, coordinating all professionals, and ensuring every component works together with one clear point of accountability.

Is this actually legitimate, compliant, and defensible long-term?

Yes. CERTUM is built entirely on established sections of the U.S. tax code that have existed for decades. We do not use gray-area strategies, loopholes, or aggressive interpretations. Everything we design follows well-defined IRS frameworks that are commonly used by corporations and closely held businesses when structured and administered correctly.

How is CERTUM different from just hiring a better CPA or financial advisor?

CERTUM doesn’t replace your CPA or advisor — it provides the structure they work within. Most business owners already have good professionals, but their advice is fragmented and reactive. CERTUM designs and oversees a coordinated tax, income, and compensation system so every decision is aligned, defensible, and built to last. For clients seeking new representation, our CPA, accounting, TPA, insurance, and advisory professionals are available in-house.

How much income can be redirected?

The amount depends on your income, entity structure, and cash-flow stability, which is why CERTUM starts with modeling — not assumptions. For owners at this level, it’s common for a meaningful portion of excess cash flow to be intentionally redirected into a mix of tax-deductible pension structures and non-deductible income and liquidity structures, when designed correctly. CERTUM does not use templates or fixed percentages. Every structure is customized, stress-tested, and built to remain compliant and sustainable as your business evolves.

What happens if my income changes, I sell the business, or my situation evolves?

CERTUM is designed to adapt as your life and income change. All structures are built with flexibility, optionality, and exit paths in mind. Contributions can be adjusted as income fluctuates, strategies are reviewed regularly, and nothing is implemented without considering how it can be modified, paused, or unwound if circumstances change. If you sell your business, restructure, or experience a major life shift, the architecture is revisited and rebalanced — not abandoned. The goal is durability over time, not locking you into assumptions that no longer apply. CERTUM is not a one-time setup. It is an evolving system, designed to move with you, not trap you.

How liquid is this, really?

Liquidity is designed, not assumed. CERTUM intentionally allocates capital across liquid, income-focused, and long-term structures so you have planned access to capital without relying on asset sales or market timing. Access rules are defined upfront, ensuring liquidity is predictable and doesn’t compromise the overall strategy.

Is this mostly about insurance—or is insurance just one component?

Insurance is one component, not the strategy. CERTUM is system-first, not product-first. We start by designing the tax, income, and compensation architecture. Insurance is used only when it serves a specific role within that system—such as liquidity, income smoothing, or risk transfer—and only if it’s the right tool for that job. If insurance isn’t appropriate, it isn’t used. The strategy drives the tools, not the other way around.

How much time and involvement does this require from me?

Approximately one focused hour per week. CERTUM is designed to reduce mental load, not add to it. Your role is limited to high-level decisions and reviews, while our team handles coordination, execution, and follow-through. The goal is fewer decisions, clearer direction, and less time spent reacting to financial issues.

Who is accountable for the whole outcome?

CERTUM is accountable — led directly by our Managing Partner and Chief Strategy Officer, Jamal Hansen. You’ll work with Jamal hands-on as he designs and oversees your income, tax, and asset-protection architecture. He advises multiple 8-figure+ entrepreneurs and specializes in complex structuring, risk mitigation, and advanced tax strategy. CERTUM serves as the quarterback of your financial system—owning the structure, coordinating all professionals, and ensuring every component works together with one clear point of accountability.

Is this actually legitimate, compliant, and defensible long-term?

Yes. CERTUM is built entirely on established sections of the U.S. tax code that have existed for decades. We do not use gray-area strategies, loopholes, or aggressive interpretations. Everything we design follows well-defined IRS frameworks that are commonly used by corporations and closely held businesses when structured and administered correctly.

How is CERTUM different from just hiring a better CPA or financial advisor?

CERTUM doesn’t replace your CPA or advisor — it provides the structure they work within. Most business owners already have good professionals, but their advice is fragmented and reactive. CERTUM designs and oversees a coordinated tax, income, and compensation system so every decision is aligned, defensible, and built to last. For clients seeking new representation, our CPA, accounting, TPA, insurance, and advisory professionals are available in-house.

How much income can be redirected?

The amount depends on your income, entity structure, and cash-flow stability, which is why CERTUM starts with modeling — not assumptions. For owners at this level, it’s common for a meaningful portion of excess cash flow to be intentionally redirected into a mix of tax-deductible pension structures and non-deductible income and liquidity structures, when designed correctly. CERTUM does not use templates or fixed percentages. Every structure is customized, stress-tested, and built to remain compliant and sustainable as your business evolves.

What happens if my income changes, I sell the business, or my situation evolves?

CERTUM is designed to adapt as your life and income change. All structures are built with flexibility, optionality, and exit paths in mind. Contributions can be adjusted as income fluctuates, strategies are reviewed regularly, and nothing is implemented without considering how it can be modified, paused, or unwound if circumstances change. If you sell your business, restructure, or experience a major life shift, the architecture is revisited and rebalanced — not abandoned. The goal is durability over time, not locking you into assumptions that no longer apply. CERTUM is not a one-time setup. It is an evolving system, designed to move with you, not trap you.

How liquid is this, really?

Liquidity is designed, not assumed. CERTUM intentionally allocates capital across liquid, income-focused, and long-term structures so you have planned access to capital without relying on asset sales or market timing. Access rules are defined upfront, ensuring liquidity is predictable and doesn’t compromise the overall strategy.

Is this mostly about insurance—or is insurance just one component?

Insurance is one component, not the strategy. CERTUM is system-first, not product-first. We start by designing the tax, income, and compensation architecture. Insurance is used only when it serves a specific role within that system—such as liquidity, income smoothing, or risk transfer—and only if it’s the right tool for that job. If insurance isn’t appropriate, it isn’t used. The strategy drives the tools, not the other way around.

How much time and involvement does this require from me?

Approximately one focused hour per week. CERTUM is designed to reduce mental load, not add to it. Your role is limited to high-level decisions and reviews, while our team handles coordination, execution, and follow-through. The goal is fewer decisions, clearer direction, and less time spent reacting to financial issues.

Who is accountable for the whole outcome?

CERTUM is accountable — led directly by our Managing Partner and Chief Strategy Officer, Jamal Hansen. You’ll work with Jamal hands-on as he designs and oversees your income, tax, and asset-protection architecture. He advises multiple 8-figure+ entrepreneurs and specializes in complex structuring, risk mitigation, and advanced tax strategy. CERTUM serves as the quarterback of your financial system—owning the structure, coordinating all professionals, and ensuring every component works together with one clear point of accountability.