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Reinsurance

Maximizing Reinsurance Is Our Specialty

We have more than a decade of experience working with dealers, agents, and administrators to optimize risk-adjusted returns of reinsurance investment accounts.

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HOW IT WORKS

What Determines Reinsurance Performance

Our advisors understand that sound investment strategy, compliance with the investment policy statement (IPS), and profit participation structures are core factors driving reinsurance profitability.

  • Administrator
  • Agent and Dealer Developer
  • Investment Advisory Team

Interested in a no-cost analysis of your reinsurance program?

Send Us Your Cession and Investment Statements

Our Recipe for Success

Experienced & Dedicated Service Team

  • Experience working with auto-dealers and reinsurance agents
  • Investment strategy, aligning the Investment Policy Statement (IPS) with the dealer’s goals
  • Proven process, we manage over 300+ reinsurance accounts

Communication & Coordination

  • Regular cessions attendance
  • Performance reporting
  • Economic outlook
  • Financial planning
  • Succession planning
  • Tax strategy
  • Lending analysis

We Are Advocates for Our Dealers & Agents

  • Fiduciaries to our clients
  • Reinsurance investment policy evaluation
  • Multiple custodians
  • Lasting relationships with our clients that go beyond their reinsurance programs

We Are Wealth Advisors Who Know the Business

Questions?

Services for Agents and Dealers

Maximize Your
Tax Benefits

We leverage tax-loss harvesting, investment allocation rebalancing, and tactical shifts as necessary while advising on loans out of your reinsurance accounts.

Cessions Review –
Active Guidance

We provide dedicated advisory and personalized account management, with regular touchpoints including regular cession attendance

Investment Policy
Statement Analysis

We analyze your IPS and actively manage accounts to ensure continued compliance with the IPS. We also collaborate with our administrator partners to tweak IPSs to improve risk-adjusted returns.

Lower Reinsurance
Program Costs

We use low-cost ETFs and bill strictly on assets under management – one fee you can see – completely aligning our interests with yours. We do not sell any commission-based products or services.

Customized
Portfolios

We provide regular investment reviews to our clients along with a market and economic outlook. We create a dashboard for dealers so they can view all their reinsurance accounts (legacy and active) in one place – regardless of custodian, administrator, or trust company.

Held to a Fiduciary
Standard

As fiduciaries, we have a legal and ethical obligation to act in our clients’ best interest and to put yours before our own. This standard has always been at the core of Composition Wealth’s mission to our clients.

National Footprint

We’re proud to serve hundreds of dealers ranging from single rooftop stores to multi-point groups.

Experience working with

Our Manufacturers Include

Connect with Us

Are you ready to maximize your reinsurance investments? We’re ready to reinforce your team.

Peter Karp

Partner, Senior Wealth Advisor

Sausalito, CA

Jeff Alpert, JD

Partner, Senior Wealth Advisor

Sausalito, CA

Daniel Tang, CFP®

Director, Wealth Advisor

Sausalito, CA

Let's Compose Your Financial Story

You deserve a personalized wealth strategy that is focused on achieving the future you want, but flexible enough to manage the changing economic landscape and your changing circumstances. So, what are you waiting for? Let’s meet and start composing your financial story today.

Talk to an Advisor

Peter Karp

Partner, Senior Wealth Advisor

Peter is a Managing Partner at Composition Wealth and has over 25 years of experience delivering comprehensive financial and investment advice to affluent individuals and families and successful business owners.

He established Karp Capital Management in 2004 as an independent financial management firm in order to provide clients with an objective alternative to large brokerage houses. Peter believes that financial professionals should work directly for their clients, providing advice without being fettered by the bureaucratic structures found at large financial institutions.

Peter is licensed as an insurance agent and real estate broker. He is also a member of the Financial Planning Association, adhering to its Code of Ethics. Peter enjoys spending time with family, running, skiing, and experiencing the great restaurants of San Francisco.

  • Licensed as an insurance agent

Fun Facts:

  • Peter earned a Bachelor of Arts degree in economics and biochemistry from the University of California at Santa Barbara. He also attended Wharton's School of Business.
  • He is a supporter and contributor to the Marin Foster Care Association and Becoming Independent (BI), a non profit community benefit organization that helps people with intellectual and developmental disabilities live meaningful and productive lives.
  • When Peter is not working, he enjoys spending time with his family hiking, fishing and traveling. He is also a collector of 60’s muscle cars and enjoys traveling to car shows with his son throughout the United States.

Jeff Alpert, JD

Partner, Senior Wealth Advisor

Jeff is a Managing Director and Partner at Composition Wealth and works closely with clients to design and implement customized financial plans and family office solutions based on their unique needs. Jeff leads the reinsurance practice at the firm, which includes supporting hundreds of automotive and RV dealers nationwide.

Prior to joining Composition Wealth, Jeff was a corporate attorney for a national law firm.

Jeff received his bachelor’s degree from the University of California Los Angeles and law degree from Duke University. He sits on the Board of Directors of Miracle Mile and American Dawn, Inc. in addition to advising the Board of Pray.com. In his free time, Jeff officiates collegiate lacrosse and volunteers on the UCLA Alumni Scholars Board.

Fun Facts:

  • Jeff was a former competitive eater and made his national TV debut on The Wheel of Fortune

Daniel Tang, CFP®

Director, Wealth Advisor

Daniel is a Wealth Advisor at Composition Wealth and works closely with clients to structure investment strategies and financial plans designed to enhance their personal financial goals.

His experience at a large wealth management institution prior to joining Composition Wealth Advisors, coupled with his background on the client service and onboarding team, bolsters his ability to provide a straightforward and strategic experience for clients.

Daniel earned his bachelor’s degree from UC Berkeley in Environmental Economics and Policy and holds his Certified Financial Planner (CFP®) designation.

  • Holds his Certified Financial Planner (CFP®) designation
  • Active Licenses: Series 65

Fun Facts:

  • He loves watching the Golden State Warriors, savoring the Bay Area culinary landscape, and dominating the local cycling, tennis, and water polo scenes.
  • He played water polo growing up and was the captain of the Cal men's club team.
  • He (mostly) conquered his fear of heights by going skydiving.