Your Income Is
Elite. Your Tax
Bill Shouldn't
Be Too.
We help athletes, physicians, and executives keep more of what they earn — through advanced life insurance strategies, premium finance, and charitable planning.
Built For Elite Earners
When your income reaches a certain level, the rules of tax planning change. We specialize in strategies the standard financial advisor doesn't even know exist.
Athletes
Peak earning years are short. We help professional and retired athletes convert income into lasting, tax-advantaged wealth.
Physicians
High-income medical professionals face punishing tax brackets. Our strategies deliver significant deductions — legally, compliantly.
Executives
RSUs, bonuses, and equity events create massive tax exposure. We help you plan around those moments — before they happen.
Business Owners
From cash balance plans to premium finance, we deploy strategies that reduce taxable income while building generational wealth.
Strategies That Move The Needle
Use institutional lending to fund large life insurance policies — generating significant tax-free cash value without tying up your own capital.
Shelter $100K–$300K+ per year from taxes through IRS-qualified retirement structures designed for high earners and business owners.
Indexed Universal Life and Private Placement Life Insurance — tax-free growth vehicles that double as estate planning tools.
Create meaningful legacy and significant deductions simultaneously — using donor-advised funds, CRTs, and Charitable LLCs aligned with your values.
Multi-layered planning that integrates all strategies into a single, cohesive blueprint — built around your timeline, goals, and risk profile.
The 19th hole isn't the end of the game — it's where the real strategy happens. Same principle applies to your wealth.
From The Fairway To Your Financial Future
As a former professional golfer, Tyler Ostrovsky understands what it means to perform at the highest level — and how quickly earning windows can close. That perspective drives everything at 19th Hole Financial.
Tyler combines deep expertise in life insurance and tax strategy with a uniquely disciplined, athlete's mindset. He works exclusively with high-net-worth individuals to implement the kind of advanced planning that most CPAs and financial advisors never discuss — strategies that can legally eliminate or defer hundreds of thousands of dollars in taxes.
Based at 19holefinancial.com, Tyler's approach is simple: the game isn't over when the round ends. The 19th hole is where winners plan their next move.
Your Path To Clarity
Three steps from first conversation to implemented strategy.
Discovery Call
We start with a focused, no-pressure conversation about your income, tax exposure, and goals. No generic advice — just a real look at your situation.
Custom Blueprint
Tyler builds a personalized strategy combining the most appropriate tools — premium finance, defined benefit, charitable planning, and more — specific to you.
Implement & Protect
We execute the plan, coordinate with your existing advisors, and create a structure that works for you today and protects you for decades to come.
Stop Leaving Money
On The 19th Hole.
Schedule your complimentary strategy session with Tyler. We'll assess your current tax exposure and show you exactly which strategies apply to your situation — no obligation.