The people behind every consultation.
High Yield Vault is a small team by design. Three specialists, three audiences, one commitment to clarity. Meet the person who will personally handle your case — before you ever pick up the phone.
Every audience deserves a specialist who understands their situation specifically — not a generalist who handles everything.
Life settlements touch three very different audiences — policyholders considering a sale, investors evaluating an asset class, and advisors exploring partnership. The questions each audience asks are different. The decisions each audience faces are different. We structure our team around those differences — so when you reach out, you speak with someone who has spent years working exclusively with people in your exact situation.
John Sandoval
Senior Policy Specialist
Serves: policyholders considering a saleJohn Sandoval leads High Yield Vault's work with policyholders — the sellers who are weighing whether a life settlement is the right choice for their situation. Over a decade in this specific corner of the industry has given him two rare qualities: a deep technical command of policy economics, and a patient, plain-language style that works equally well with a 72-year-old client, their adult daughter, and their CPA — all on the same call.
John has personally guided hundreds of policyholders through the evaluation process, and his approach is distinctive: he is just as comfortable recommending against a sale when the numbers don't work as he is walking a client through a favorable offer. His role is to help you make the right decision — not to sell you one.
In initial consultations, John typically covers the mechanics of the life settlement process, the qualifying criteria for a policy, a preliminary view of what offers might look like, and — critically — the scenarios in which keeping or surrendering the policy might actually be the better choice. He welcomes spouses, adult children, and trusted advisors on every call. For many policyholders, the clarity is itself worth the 15-minute conversation.
Areas of expertise
Jesse Ross
Private Wealth Advisor
Serves: investors acquiring policiesJesse Ross works with the other half of the life settlement market — the investors who acquire policies as part of their investment portfolio. His clients include individual high-net-worth investors, family offices, and experienced alternative-asset allocators who want exposure to a contractually-derived, non-correlated asset class.
Jesse's background in alternative investments gives him a structural understanding of how life settlements fit into a broader portfolio — how they compare to private credit, private equity, and other illiquid alternatives; how they behave across market cycles; and how to size allocations responsibly. His job is to make every available policy transparent and comparable, so investors can make decisions with full documentation and without surprises.
Jesse personally reviews every opportunity presented through our investor marketplace. His discovery calls typically cover the investor's portfolio objectives, liquidity tolerance, and current alternative-asset exposure — followed by a walk-through of the asset class mechanics, the due diligence framework we apply, and the documentation package investors receive for each policy. For most investors, a 30-minute call is enough to determine whether life settlements warrant further exploration for their portfolio.
Areas of expertise
Henry Silva
Channel Partner Manager
Serves: financial advisors & referral partnersHenry Silva leads the Advisor Partner Program — the relationships High Yield Vault maintains with financial advisors, RIAs, CPAs, estate and elder law attorneys, and insurance professionals who refer qualifying senior clients to us. Henry's role is to make the referral process efficient, compliant, and commercially meaningful for every partner in the network.
Advisors who work with Henry consistently describe him as the operational backbone of the partner relationship. He handles the onboarding, coordinates the Channel Partner Agreement, provides marketing and educational resources, and — most importantly — manages the end-to-end communication for every referred case, so the advisor always knows exactly where things stand without having to chase status updates.
For newly onboarded partners, Henry's first call typically covers the advisor's client base and practice specialty, the referral workflow, compensation structure, disclosure considerations (which vary by the advisor's regulatory body), and the marketing resources we provide. For established partners, his job is to keep the mechanics invisible — cases go in, compensation comes out, client relationships stay intact.
Areas of expertise
Three specialists, one operating standard.
Our team works in three different directions, but every consultation — no matter which audience — follows the same core principles.
Plain language, always
We translate technical material into clear, human language. No jargon walls designed to hide misunderstanding. Every number, every document, every decision gets explained until you understand it.
Time for the conversation
We don't rush consultations. Bring your spouse, your children, your CPA, your attorney. A 10-minute question deserves 10 minutes. A one-hour exploration deserves one hour. Understanding comes first.
Walk away when appropriate
If a life settlement isn't the right choice for your situation, we'll say so clearly. Policyholders who should keep their policy. Investors who shouldn't allocate to this asset class. Referrals that don't fit. We say no when no is the right answer.
Transparency about our role
High Yield Vault is a consulting and brokerage firm — we do not purchase policies. Qualified investors in our network do. We are transparent about this structure, our compensation, and our incentives with every party from the very first conversation.
Which specialist matches your situation?
Pick your path and you'll be connected with the specialist who handles your audience — no routing, no voicemails, no runaround.
Speak with John
Free, confidential evaluation of your policy. 10–15 minutes. No obligation. Family welcome on the call.
Request EvaluationSpeak with Jesse
Discovery call on the life settlement asset class. 30 minutes. Full documentation review for available opportunities.
Discovery CallSpeak with Henry
Advisor Partner Program application. Response within one business day. Full activation under one week.
Apply to Program