About American West Advisory

An Independent Voice in Trust-Owned Life Insurance

Since 1973, we have served trustees, fiduciaries, and the professionals who advise them—never as a seller of insurance, always as an independent analyst.

Our Founder

Joe Stefanec

Joe Stefanec founded American West Advisory to give trustees and their advisors an independent, non-sales resource for evaluating trust-owned life insurance—a resource that exists solely to support prudent fiduciary decision-making.

Based in Arizona, Joe works directly with estate planning attorneys, corporate trustees, professional fiduciaries, and family offices to provide analysis that stands apart from any product sale or commission.

Joe Stefanec

Founder

Since 1973

A Firm Built on Independence

American West Advisory is an independent fiduciary analysis and research firm. We do not sell insurance products, and we are not a substitute for legal or tax counsel. Our role is narrow and deliberate: to help fiduciaries demonstrate and document prudent oversight of trust-owned life insurance.

How We Work

Three Principles Guide Our Work

Independent

Objective analysis free from product sales or commissions.

Contemporaneous

Documentation created while fiduciary decisions are being made—not reconstructed years later.

Prudent

Independent analysis designed to support prudent fiduciary oversight of trust-owned life insurance.

Independent Fiduciary Analysis

Contemporaneous Documentation

Supporting Prudent Fiduciary Oversight

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