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Golden Arc Fiduciary™

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Door Open December 16, 2015


Planning Your Legacy

We recognize that everyone has a different set of circumstances when it comes to creating an estate plan. We take a hands on approach and listen to your goals. Our legal department will use their experience, knowledge, and understanding of the laws to create a comprehensive estate plan that suits your needs. It may be simple or highly complex, either way we have the experience you need during this important time.

Drafting a Will

A Will provides specific instructions about how a person's estate should be distributed upon their death. Without a proper Will and an associated estate plan, the state will dictate how your property, assets, and other valuables will be divided among family members. There are different types of Wills which can be used to meet your objectives. Our legal department will help determine the proper Will that works for you.

Creating a Trust

A Trust is a set of instructions that allows a person (the Trustee) to manage assets for the benefit of others (the beneficiaries). The Trustee has a legal responsibility to manage the assets of the Trust for the benefit of the beneficiaries. With so many variations of Trusts that exist, it is vital that you choose the proper Trust base on your needs. We will work with you to determine the proper types of Trusts that can help meet your estate planning objectives.


  1. Last Will
  2. Living Will
  3. Pour-Over Will


  1. Living Trusts
  2. Revocable Trusts
  3. Irrevocable Trusts

Blind Trust

A blind trust is a trust in which the fiduciaries, namely the trustees or those who have been given power of attorney, have full discretion over the assets, and the trust beneficiaries have no knowledge of the holdings of the trust and no right to intervene in their handling. Blind trusts are generally used when a settlor (sometimes called a trustor or donor) wishes to keep the beneficiary unaware of the specific assets in the trust, such as to avoid conflict of interest between the beneficiary and the investments.

Politicians or others in sensitive positions often place their personal assets (including investment
income) into blind trusts, to avoid public scrutiny and accusations of conflicts of interest when they direct government funds to the private sector. A blind trust is often frequently used with those who have come across a fortune within a short period of time (e.g. an inheritance, or a multimillion lottery in order to keep their identity to anonymous to the public.

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An offshore bank is a bank located outside the country of residence of the depositor, typically in a low tax jurisdiction (or tax haven) that provides financial and legal advantages. These advantages typically include:

•           Greater privacy (see also bank secrecy, a principle born with the 1934 Swiss Banking Act)

•           Low or no taxation (i.e. tax havens)

•           Easy access to deposits (at least in terms of regulation)

•           Protection against local, political, or financial instability

While the term originates from the Channel Islands being "offshore" from the United Kingdom, and most offshore banks are located in island nations to this day, the term is used figuratively to refer to such banks regardless of location, including Swiss banks and those of other landlocked nations such as Luxembourg and Andorra. Offshore Banking Units (OBUs) have proliferated across the globe since the 1970s. They are found throughout Europe, as well as in the Middle East, Asia and the Caribbean. U.S. OBUs are concentrated in the Bahamas, the Cayman Islands, Hong Kong, Panama and Singapore.

Banks in the Cayman Islands offer a range of accounts to suit your needs. You can contact a Cayman bank via the internet to arrange a confidential consultation to discuss your needs, whether you would like an offshore bank account, investment fund account, or the highly prestigious private bank account, Cayman banking can provide an account ideally suited to your business and private needs. Choose what currency your want your money to be held in, if possible. One perk of having an offshore bank account is being able to choose what currency your money is held in. This, however, has its major advantages and disadvantages.

•           The advantage of holding your money in a foreign currency is the ability to hedge against depreciation or an unstable currency. If your currency is unstable and/or steadily losing value, this perk might be a significant advantage.

•           The disadvantage of holding your money in a foreign currency is that you may be subject to foreign tax laws and you will experience fees to exchange currencies.

Advantages of offshore banking

•           Offshore banks can sometimes provide access to politically and economically stable jurisdictions. This will be an advantage for residents in areas where there is risk of political turmoil, who fear their assets may be frozen, seized or disappear (see the corralito for example, during the 2001 Argentine economic crisis). However it is often argued that developed countries with regulated banking systems offer the same advantages in terms of stability.

•           Some offshore banks may operate with a lower cost base and can provide higher interest rates than the legal rate in the home country due to lower overheads and a lack of government intervention. Advocates of offshore banking often characterize government regulation as a form of tax on domestic banks, reducing interest rates on deposits. However this is scarcely true now; most offshore countries offer very similar interest rates than those that are offered back home.

•           Offshore finance is one of the few industries, along with tourism, in which geographically remote island nations can competitively engage. It can help developing countries source investment and create growth in their economies, and can help redistribute world finance from the developed to the developing world. But equally, well-resourced and developed countries such as New Zealand offer a safe and well administered background for these financial services.

•           Interest is generally paid by offshore banks without tax being deducted. This is an advantage to individuals who do not pay tax on worldwide income, or who do not pay tax until the tax return is agreed, or who feel that they can illegally evade tax by hiding the interest income.

•           Some offshore banks offer banking services that may not be available from domestic banks such as anonymous bank accounts, higher or lower rate loans based on risk and investment opportunities not available elsewhere.

•           Offshore banking is often linked to other structures, such as offshore companies, trusts or foundations, which may have specific tax advantages for some individuals.

•           Many advocates of offshore banking also assert that the creation of tax and banking competition is an advantage of the industry, arguing with Charles Tiebout that tax competition allows people to choose an appropriate balance of services and taxes. Critics of the industry, however, claim this competition as a disadvantage, arguing that it encourages a "race to the bottom" in which governments in developed countries are pressured to deregulate their own banking systems in an attempt to prevent the offshoring of capital.

Disadvantages of offshore banking

•           Offshore bank accounts are sometimes less financially secure. In a banking crisis which swept the world in 2008, some savers lost funds that were not insured by the country in which they were deposited. Those who had deposited with the same banks onshore received all of their money back. In 2009 The Isle of Man authorities were keen to point out that 90% of the claimants were paid, although this only referred to the number of people who had received money from their depositor compensation scheme and not the amount of money refunded. In reality, only 40% of depositor funds had been repaid: 24.8% in September 2009 and 15.2% in December 2009.

Both offshore and onshore banking centers often have depositor compensation schemes. For example: The Isle of Man compensation scheme guarantees £50,000 of net deposits per individual depositor, or £20,000 for most other categories of depositor. Potential depositors should be aware that any deposits over the guaranteed amount are at risk. However, only offshore centres such as the Isle of Man have refused to compensate depositors 100% of their funds following Bank collapses. Onshore depositors have been refunded in full, regardless of what the compensation limit of that country has stated. Thus, banking offshore is historically riskier than banking onshore.

•           Offshore banking has been associated in the past with the underground economy and organized crime, through money laundering. Following September 11, 2001, offshore banks and tax havens, along with clearing houses, have been accused of helping various organized crime gangs, terrorist groups, and other state or non-state actors. However, offshore banking is a legitimate financial exercise undertaken by many expatriate and international workers.

•           Offshore jurisdictions are often remote, and therefore costly to visit, so physical access and access to information can be difficult. This problem has been alleviated to a considerable extent with the advent and realization of online banking as a practical system.

•           Offshore private banking is usually more accessible to those on higher incomes, because of the costs of establishing and maintaining offshore accounts. However, simple savings accounts can be opened by anyone and maintained with scale fees equivalent to their onshore counterparts. The tax burden in developed countries thus falls disproportionately on middle-income groups. Historically, tax cuts have tended to result in a higher proportion of the tax take being paid by high-income groups, as previously sheltered income is brought back into the mainstream economy. The Laffer curve demonstrates this tendency.

•           The Bank Secrecy Act requires U.S. Taxpayers to file a Department of the Treasury Form 90-22.1 Report of Foreign Bank and Financial Accounts (FBAR: Each person (including a bank) subject to the jurisdiction of the United States having an interest in, signature or other authority over, one or more bank, securities, or other financial accounts in a foreign country must file an FBAR if the aggregate value of such accounts at any point in a calendar year exceeds $10,000. (31 CFR 103.24). A recent District Court case in the 10th Circuit may have significantly expanded the definition of "interest in" and "other Authority"

•           Offshore bank accounts are sometimes touted as the solution to every legal, financial and asset protection strategy but this is often much more exaggeration.

Golden Arc Insurance

  is designed to kick in when the liability on these other policies has been exhausted.
coverage on rental units you own.
Provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and
liability coverage on rental units you own.

So, not exactly sure what umbrella insurance is all about?  Find out here.

 Homeowners InsuranceHomeowners Insurance 
Why do you need homeowners insurance coverage? For one thing, you probably can't buy a house
without it. (Most mortgage holders require you to have it.) But honestly—why wouldn't you want homeowners insurance? Your home
is one of your largest investments. Makes sense to protect it, doesn't it?
Owning a house is everyone's dream, but if your home is not properly insured, that dream could become a nightmare.  Learn about
homeowners insurance – what's covered and how these coverages help protect you.

Fire, theft, accidents. . . these are the kinds of threats that might cause you to lose sleep, if you didn’t have the protection of
homeowners insurance coverage. Fortunately, a homeowners policy will cover damage to your home and personal property due to a
variety of causes (called "named perils" in insurance lingo). The personal liability portion of a homeowners policy provides coverage,
for example if your litigious brother-in-law slips down your steps on a rainy day and injures himself.

Each homeowners insurance policy offers different protection, but standard policies usually provide:

  • Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is 
  • specifically excluded in your policy).
  • Damage to your personal property due to causes specified in your policy. (Yep, it's those "named perils" again!)
  • Limited coverage—for jewelry stolen from your home. (Most policies don't cover lost jewelry.) If you need greater coverage
  • for your prized collection, you might need a homeowners policy endorsement.
  • Coverage for personal liability exposures that arise from being a homeowner.
  • Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere
  •  if a fire makes your home uninhabitable).
    Renters InsuranceRenters Insurance   

As a renter, you don't need insurance, right?  Wrong!  Learn why renters insurance is so important to have.

 Condo InsuranceCondo Insurance    


You own a condo and the association has insurance. So why do YOU need insurance? Find out.

Co-op InsuranceCo-op Insurance     


Co-op policies protect you from losses to your personal property and the interior of your unit. Get the full story here.

RV InsuranceRV Insurance         

There's nothing better than being free to travel the country at your own pace with no need to worry about hotel rooms or rental cars. 
But, before you hit the road, make sure you're properly protected with RV insurance.

Life InsuranceLife Insurance
Life insurance helps financially protect your family in the event of your death.
There are several different kinds of life insurance policies plus all kinds of additions and exceptions that get tacked on. 
    Do you need life insurance? How much do you need? What is term life insurance? Let's find out...
Life insurance can help make sure that in your absence, your family's financial needs are taken care of long into the future.

   Boat InsuranceBoat Insurance       

Do you own a boat?  Are you properly insured? Get the details on boat insurance here.

Personal Watercraft InsurancePersonal Watercraft Insurance       


Jet Ski?  Wave Runner?  Sea-Doo?  Sounds like fun, but do you have them insured?  What does a personal watercraft insurance policy
provide?  Find out here...

    Flood InsuranceFlood Insurance     


Not sure if you need flood insurance?  Find out...

 Mobile Home InsuranceMobile Home Insurance     


You've worked hard to buy your home and the things you own, so make sure they are properly protected.  Get the details on mobile
home insurance here.

 Overseas InsuranceOverseas Insurance


Going overseas? Get the same low rates and high-quality customer service overseas that you get at home.

Commercial Auto InsuranceCommercial Auto Insurance 
Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting
your business. Large fleets as well as small businesses should be properly covered by a commercial auto insurance policy.

Do you own a business?  Find out more about insuring your business vehicles.

Business Insurance  Business Insurance 

No matter how careful you are in your daily business operations, things happen. You can be sued for negligence or errors and
omissions in the conduct of your business with a client, and your physical 
business property may come under attack. Someone could
slip and fall on your premises leaving you with medical bills to pay. Not to mention, expensive attorney costs associated with
business law suits can place a huge financial and emotional burden on you, your employees, and family if you are not properly

Protect your assets from the risks of conducting day-to-day business. Learn about the types of business insurance products available
to protect you, your employees, and your business.

Identity ProtectionIdentity Protection
Get the tools you need to protect your identity and hands-on assistance should you become a victim of identity fraud.
Protection helps you monitor and manage your credit and protect your identity. Identity Protection offers a complete solution
including Prevention, Detection & Resolution — all for less than the cost of credit monitoring alone.

In today's information-driven society, your personal information is collected, used and shared in ways that you may not even be
aware of. Get peace of mind and and a dedicated advocate who will work on your behalf should you experience identity theft.

  • Identity theft costs $37 billion per year¹
  • The average identity fraud victim pays $631 and the average identity fraud case is $4,607¹
  • The average victim spends 33 hours repairing the damage¹
  • 53% of victims report having been denied credit and 12% report having to pay higher insurance rates as a result of the identity
  •  fraud.
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