Why We Created Stream: A Founder's Story
Strategies for the Modern High Earner
Why Stream
What happens when you’re successful, but not ultra successful?
You’re making real money. You’re investing, scaling, and building. But when it comes to life insurance and financial planning, it’s like the system forgets you exist.
Too rich for basic advice. Not rich enough for elite strategies.
There’s a growing segment of high earners in the U.S. who are being quietly left out of meaningful financial planning strategies. Professionals, entrepreneurs, business owners who are achieving at the highest level by most standards. Yet, they are still being handed the same old playbook: “Max your 401(k), buy term life insurance, and it will all work out (fingers crossed).”
As our Co-Founder Nicole Rex put it: “There’s a whole segment of high earners in the U.S. Folks who are crushing it and doing everything right. But despite that, you're still getting offered the same old cookie-cutter advice.”
Nicole lived it. She was earning well, building momentum, but hit the in-between zone. Too successful for basic planning. Not wealthy enough (yet) for the elite, ultra-complex strategies designed for the top 1%.
"I make too much to contribute to a Roth IRA," she said, "but I didn’t have the multi-millions needed to get into those elite, premium-financed life insurance plans you hear about, where you can take advantage of tax free cash accumulation and tax free distributions."
The Moment It Clicked
Back during the pandemic years, Nicole and Co-Founder Tim Whitmore were helping wealthy families use premium financing to grow tax-advantaged income and enhance their life insurance. But when Nicole asked, "Why can't someone like me do this?" the answer was defeating. It just didn’t exist.
"Well... if you know me well, you know I don't take 'no' for an answer," Nicole said. "That was the moment we knew we had to build it."
Our Favorite Coffee Shop (Seriously)
So they got to work.
"After countless afternoons at Coffee Bean with Tim crunching numbers, and me mentally supporting him, we figured it out!" Nicole shared. It became a familiar scene: spreadsheets, espresso, and the spark of a new idea finally coming together.
How It Works
They created a way for high-income earners to access the benefits of premium-financed life insurance, without needing ultra-wealthy status.
No $10M net worth required.
No personal guarantees.
No collateral to post against the bank loan.
Just smart leverage, clear strategy, and the ability to build tax-free income while protecting your family.
"We created a smart, creative way to build tax-free income for the future. Because let’s be real. Do you think taxes are going down anytime soon? Yeah… didn’t think so."
With National debt levels at an all time high, it is nearly impossible to imagine a time when our taxes are lower than what they are set at today.
What We Built
The result was The Stream Plan: a flexible, modern insurance strategy for accredited investors who are ready to plan with more intelligence, more access, and fewer roadblocks.
Stream was built for the modern high-earner who wants more than basic life insurance, traditional retirement plans, and a prayer.
“This isn’t about waiting to be rich later,” Nicole says. “It’s about planning smart, right now, while you're young, healthy and can take on some risk."
Join Us
If you’re in that middle ground - too successful for standard advice, not yet considered ultra wealthy - know this: you’re exactly who we built this for.
We changed the game, come join our club and learn more.
