About – Fiduciary Insurance Advisors

About Us

What Makes Fiduciary Insurance Advisors Unique?

Fiduciary Insurance Advisors (FIA) stands apart through its deep fiduciary experience, specialized expertise, and fully conflict-free model. With decades of institutional knowledge in managing complex life insurance, FIA delivers disciplined, objective advice without commissions or product bias. Every recommendation is made solely in the best interest of clients, trustees, and beneficiaries, ensuring clarity, alignment, and long-term value.

Our Expertise

We specialize in advising on life insurance from a fiduciary and trustee-aligned perspective—where independence is essential and objectivity is non-negotiable. By removing the influence of commissions and product bias, we provide disciplined oversight that helps trustees and UHNW families manage complex policies with confidence, clarity, and a focus on long-term performance.

Life Insurance

Effective life insurance planning requires more than expertise; it demands full access to the breadth of the marketplace to ensure the best possible solution for each client. FIA provides comprehensive access to both traditional and alternative life insurance products across the entire market, including exclusive M-Group offerings, enabling truly objective, client-focused recommendations.

Traditional Life Insurance- WL, UL, GUL, VUL, IUL
Private Placement Life Insurance (PPLI)

Alternative Funding & Gifting Strategies

FIA has deep expertise in premium finance. We understand when it is appropriate and when it is not. We also help determine the most suitable policy structure based on each client’s needs.

For clients who have fully utilized their exemption amounts and are seeking additional gifting leverage, Private Split Dollar can be an effective solution.

Ownership & Situs

FIA has significant experience in structuring ownership of life insurance policies to help minimize estate and GST taxes.

FIA has unique knowledge in selecting the optimal trust situs for each client’s unique needs. We provide access to a wide range of jurisdictions, including advantageous options such as South Dakota and Wyoming.

Our Partners

Randall B Mauzy

As President of Fiduciary Insurance Advisors (FIA), Randy leads a firm dedicated to the independent, fiduciary oversight of complex life insurance portfolios. His work is grounded in a single principle: providing objective guidance free from the influence of product sales or commissions.

With more than 25 years of experience exclusively on the fiduciary side of the industry, Randy advises Ultra-High-Net-Worth (UHNW) families, trustees, and their advisors on navigating the complexities of life insurance with rigor, transparency, and precision. His approach ensures that each policy is aligned with the broader financial and estate planning objectives of the client.

Prior to leading FIA for the past decade, Randy spent 15 years as National Insurance Trust Manager for U.S. Bank’s Wealth Management Group. There, he developed a disciplined, risk-focused framework for evaluating trust-owned life insurance (TOLI) portfolios. Over the course of his career, he has reviewed more than $20 billion in TOLI assets—experience that provides a level of perspective and insight rarely found in the private advisory space.

Today, Randy applies this institutional expertise to help clients protect, optimize, and make informed decisions about some of the most complex assets within their portfolios.