Boutique Risk Advisory for Private Clients

An innovative
approach to risk.

Sophisticated analysis, tailored protection, and proactive guidance for affluent individuals and families across the globe.

West Palm BeachPhiladelphiaNashvilleNew York
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Technicians first.
Salespeople a distant second.

AXG doesn’t follow the assembly-line approach of traditional insurance firms. We deconstruct every requirement from a technician’s perspective, then engineer a solution uniquely suited to your life.

We make our clients smarter about risk, reduce their chances of experiencing a claim, and build resilience — so that if a claim does happen, recovery is faster and easier.

2019
Founded
Concierge
Experience
Global
Client Reach

We Deliver

If we commit to something, we do it with excellence — holding ourselves accountable to you and to the industry.

We Listen

Through conversation and collaboration, we build custom solutions that foster confidence in managing risk.

We Act with Integrity

Transparent and ethical in every interaction. We walk the walk with the highest standards of professionalism.

We Care

We drive impact for our clients and the people around them. Care is a small word with the power to change everything.

How We Work

Two ways we partner with you.

01

Direct Client Advisory

We serve as your dedicated risk management partner, building and maintaining your entire insurance portfolio through one point of contact — anywhere in the world.

  • Full portfolio analysis and restructuring
  • Claims advocacy and resolution
  • Ongoing market monitoring and optimization
  • Proactive risk identification
02

Advisor to Advisors

We work alongside your existing financial advisors, accountants, and estate attorneys — ensuring the insurance layer of your wealth strategy is engineered with the same rigor.

  • Collaborative planning with advisory teams
  • Technical insurance expertise on demand
  • Integration with estate and tax strategies
  • Independent second opinions

Two disciplines.
One integrated approach.

We protect what you’ve built and plan for what comes next — through two specialized but deeply connected practices.

Our P&C team engineers bespoke insurance portfolios for affluent individuals and families — protecting the assets, lifestyles, and legacies you’ve built.

01

Real Estate Portfolios

Tailored protection for high-end properties worldwide — including construction, renovation, and high-risk zones — managed through a single point of contact.

02

Jewelry, Art & Collections

Custom protection for fine art, wine, jewelry, couture, and curated collections — including appraisal coordination and cataloging.

03

Umbrella & Excess Liability

Strategic liability coverage calibrated to your unique exposure — multiple homes, domestic staff, public profiles, and generational wealth.

04

Aviation

Global coverage for owned aircraft and air-share memberships — including crew, operating companies, and holding entities.

05

Yachts & Watercraft

From coastal craft to oceangoing super yachts — flexible navigational limits, captain and crew coverage, worldwide.

06

Automobiles

One consolidated policy for your entire fleet — daily drivers, performance vehicles, and collector cars under unified coverage.

07

Equestrian

Comprehensive coverage for horses, stables, and equestrian facilities — including mortality, liability, and loss of use for competitive and leisure riders.

08

Exquisite Collections

Bespoke protection for fine wine, rare timepieces, couture, classic cars, and other curated collections — valued and insured with the care they deserve.

Our Life division designs sophisticated insurance and wealth transfer strategies — working alongside your advisors, attorneys, and CPAs to protect what matters most.

01

Wealth Transfer & Estate Planning

Tax-advantaged accumulation, estate tax liquidity, and generational wealth transfer — structured to preserve and grow your legacy.

02

Key Person & Business Succession

Protecting the people and partnerships that drive your business — from buy-sell funding to key employee coverage and continuity planning.

03

Executive Benefits & Compensation

Custom incentive structures, deferred compensation, and supplemental executive retirement plans designed to attract and retain top talent.

04

Policy Performance & Review

Ongoing monitoring of in-force policies against original projections — identifying risks, capturing opportunities, and adjusting as your needs evolve.

05

Business Exit Strategy

Addressing the financial, philosophical, and emotional dimensions of succession — so the future of what you’ve built is yours to decide.

06

Disability & Long-Term Care

Income protection and long-term care planning that safeguards your family’s lifestyle and independence through every stage of life.

Our Team

The people behind
the protection.

Victoria Barone

Victoria Barone

Jr. Account Executive
Brittany Caldwell Beard, CPRIA

Brittany Caldwell Beard, CPRIA

Sr. Account Executive
Josh Desormeaux

Josh Desormeaux

Account Executive
Debbie Ditchoff

Debbie Ditchoff

Insurance Administrator
Senta Fean

Senta Fean*

Principal
Morey Goldberg

Morey Goldberg

Principal
Chris Kutufaris

Chris Kutufaris

Sr. Technical Analyst
Kristen Lynch

Kristen Lynch

Director
JM

Jim McDonald

Insurance Administrator
Max McFarlane

Max McFarlane

Director
George T. Papanier

George T. Papanier*

Founder & Principal
Adam M. Pauska

Adam M. Pauska

Founder & Principal
Howard Silverman

Howard Silverman

Producer
Our Promise

We don’t sell policies.
We engineer resilience.

Every client. Every asset. Every scenario — analyzed, stress-tested, and protected with the precision your life demands.

Let’s start a
conversation.

We offer complimentary consultations to walk through your needs, goals, and current situation. No matter what your portfolio looks like today, we’re here to provide guidance.

OfficesWest Palm Beach · Philadelphia · Nashville · NYC