Private Capital Architecture

At scale,
wealth requires
architecture.

We work with 10 business owner families per year designing permanent capital structures for reallocating $5M+ of exposed capital into contractually backed insulation.

Typical engagements involve $5M–$10M+ of structured capital allocation.

10
Business Owner Families Per Year
$5M+
Minimum Capital Allocation
500+
Permanent Structures Designed
Structural Reality

Most business owner wealth is diversified.
Very little is insulated.

Market cycles

Unprotected capital rides every downturn with no contractual floor or structural buffer in place.

Business concentration risk

Net worth heavily concentrated in the core business: illiquid, undiversified, and exposed to failure.

Legislative shifts

Tax law changes and regulatory shifts erode wealth that was never structurally insulated from policy risk.

Estate liquidity gaps

Significant net worth with no immediate liquidity at death, leaving heirs exposed and estates under pressure.

Rising effective tax drag

Compounding tax inefficiency quietly erodes long-term accumulation without a proactive structure in place.

Sequence-of-return risk

Early drawdown periods can permanently impair a portfolio that lacks timing protection and distribution design.


Growth builds wealth. Structure protects it.

The gap between the two is where most business owners remain exposed, often without realizing it.

How We Think About Structure

Permanent capital inside a business owner's balance sheet should work differently

01

Provide contractual guarantees with market insulation

Permanent capital structures backed by carrier obligations, not market cycles, delivering certainty regardless of economic conditions.

  • Contractual minimum value guarantees
  • Market-insulated capital structure
  • Carrier-backed financial obligations
02

Deliver tax-efficient access & immediate estate liquidity

Capital that remains accessible on a tax-advantaged basis while ensuring heirs receive immediate liquidity when it matters most.

  • Tax-efficient capital access
  • Immediate liquidity at death
  • Estate architecture preserved for heirs
03

Preserve long-term capital control across changing tax environments

Structures built to adapt; maintaining business owner control & capital efficiency as tax legislation evolves & generational transitions unfold.

  • Capital control across tax cycles
  • Adaptable to legislative change
  • Long-term structural oversight



The core structural vehicle is permanent life insurance, selected from top-rated carriers based on financial strength and alignment with long-term structural objectives.

All strategies are subject to underwriting approval and suitability review.

The Private Architecture Process

Three steps.
Permanent results.

1

Structural Assessment

We evaluate how your capital is currently allocated, exposed, and insulated.

2

Permanent Capital Design

We model a $5M+ allocation aligned with your tax profile, liquidity priorities, & estate architecture.
Built for permanence, not performance cycles.

3

Implementation & Oversight

Carrier selection, underwriting navigation, and long-term structural monitoring.

Capacity is limited to 10 business owner families per year.
Who This Is For

Designed for business owners who

About the Founder

Meet Neetu Prabhu

Neetu Prabhu

Unity Wealth Strategies was founded by Neetu Prabhu, a wealth protection strategist with over 12 years of experience architecting permanent capital structures for CEOs and high-net-worth business owners.

She has designed over 500 permanent capital structures & has qualified for Court of the Table of the Million Dollar Round Table, representing the top 1% of advisors globally.

12+Years Experience
500+Structures Designed
Top 1% AdvisorMDRT Global
Begin Here

When wealth reaches scale,
allocation is no longer enough.

Architecture becomes necessary.
If you are prepared to build structural insulation inside your capital base, begin here.

Contact
Business Overview
Capital Profile Overview
Readiness
Confirmation

All information submitted is handled with strict confidentiality.