About PLATINUM Endowment

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Our History

Founded in 1960 by Dennis O’Malley, Combined Financial Services began as a one-man life, health, and property & casualty insurance brokerage and grew to over 200 agents nationwide. In 1990, the Property & Casualty division was sold to The Forrest Agency, and the firm sharpened its focus exclusively on life insurance—earning Agency of the Year honors multiple times with Mutual Trust Life.

To distinguish itself from other firms with similar names, the company rebranded in 2013 as Platinum Endowment:  for Expert Retirement and Estate Income Planning. Today, Platinum operates nationwide, serving clients from Alaska to Florida with advanced retirement and legacy strategies.

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Leadership

Christopher O’Malley
President & CEO | Global Head of The Leverage Group | Member, Wealth Momentum Banking & Finance Group

Chris O’Malley brings more than 38 years of financial services expertise. A graduate of Marquette University with a degree in Finance and a minor in Education, he has built his career on strategies that align solely with his clients’ best interests.

Before leading Platinum, Chris spent 23 years as a Head Broker in interest rate derivatives, executing trades for hedge funds and global investment banks across Futures and Options in Foreign Currencies, Eurodollars, Equities, and Oil. This institutional experience gives him a unique advantage in structuring sophisticated yet secure retirement and estate solutions for every individual and corporation.

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Areas of Expertise

Chris and Platinum Endowment specialize in:

• Compound Wealth Accumulation – strategies to grow and protect capital efficiently and multiple more rapidly with access to capital

• Tax-Free Income Planning – income streams designed to outpace inflation while eliminating tax exposure.

• Retirement Income Maximization – plans that can multiply retirement income from 5X to 50X.

• Estate & Legacy Income Planning – structures designed to build and transfer 10X  to 50X more guaranteed income across generations.

• Risk-Managed Solutions – eliminate the risk of lawsuits, creditors, market losses, heirs who are careless with money and public knowledge of your wealth.

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Client Focus

Platinum Endowment serves a diverse range of clients—from municipalities such as the City of Chicago to many businesses and sole proprietors, to teachers, federal employees and of course individuals.  Chris has guided countless federal workers on retirement exits and TSP income maximization. His TSP Exit Strategy video was featured on the official TSP website for over two years.

With nationwide partnerships, Platinum is committed to safe, liquid, and tax-efficient strategies that create momentum for wealth, reduce or eliminate taxes, and maximize retirement and estate outcomes for every client.