SB Pensions, founded by California-licensed Life & Disability Insurance Analyst Stephen Grossman, has formally introduced its Risk Architecture Framework
WOODLAND HILLS, CA, UNITED STATES, January 29, 2026 /EINPresswire.com/ — SB Pensions Introduces Risk Architecture Framework for High-Net-Worth Families, Business Owners, and Real Estate Investors
SB Pensions, founded by California-licensed Life & Disability Insurance Analyst Stephen Grossman, has formally introduced its Risk Architecture Framework, a structured advisory model designed to help high-net-worth families, business owners, and real estate investors identify, manage, and strategically structure financial risk across their personal and professional ecosystems.
Unlike traditional financial planning approaches that emphasize products, returns, or portfolio performance, the Risk Architecture Framework begins with risk exposure mapping, financial vulnerability analysis, and structural design, aligning protection, liquidity, tax efficiency, capital access, and long-term wealth strategy into a unified financial system.
“Most planning models focus on accumulation,” said Stephen Grossman. “Our model focuses on durability. Wealth that isn’t structurally protected is fragile. Risk Architecture is about designing financial systems that can survive market volatility, legal exposure, tax pressure, and generational transition.”
The Risk Architecture Framework integrates multiple strategic disciplines, including:
Risk mitigation and financial exposure analysis
Liquidity planning and capital access strategies
Tax-advantaged accumulation and structuring
Executive compensation and business continuity planning
Asset protection coordination
Intergenerational wealth transfer planning
Strategic use of insurance, annuities, and structured financial vehicles
This approach is designed for individuals and enterprises with complex balance sheets, multi-entity structures, and layered financial risk, including:
High-net-worth families
Business owners and founders
Real estate investors and developers
Multi-entity entrepreneurs
Professional service firms
Pre-retirees with complex financial structures
Rather than transactional financial services, SB Pensions provides custom financial architecture, aligning financial planning, risk management, capital strategy, and long-term wealth structuring into a cohesive advisory model.
“True wealth planning isn’t just about building assets,” Grossman added. “It’s about ensuring those assets survive taxes, lawsuits, market cycles, business risk, and generational transition. That requires architecture, not just advice.”
SB Pensions operates under a fiduciary-aligned, client-first advisory model consistent with California regulatory standards, delivering structured financial analysis and long-term planning strategies tailored to each client’s risk profile and financial objectives.
About SB Pensions
SB Pensions is a California-based financial services practice specializing in risk mitigation, capital efficiency, tax-advantaged accumulation, liquidity planning, and strategic wealth structuring for business owners, investors, and high-net-worth families. Founded by Stephen Grossman, Life & Disability Insurance Analyst (CA), the firm focuses on long-term financial architecture, fiduciary-aligned advisory standards, and custom planning models designed to support generational stability and enterprise continuity.
Contact Information:
Stephen Grossman, Life and Disability Analyst (CA)
License #: 0H64567
SB Pensions
Phone: 323-659-4962
Address: 21781 Ventura Blvd., Woodland Hills, CA 91364
Website: https://sbpensions.com
Scheduling: https://calendly.com/steve-grossman-/30min
Stephen Grossman
SB Pensions
+ +1 323-659-4962
sgrossman@sbpensions.com
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