They are not in the business to steal data for other purposes.

Originally I am coming from Israel, but I have relocated to Germany a year ago.I am a physician by trade and I will be working full time with the purpose to complete my residency. 

If not for that type of purpose then in my opinion this type of policy should only be considered if you have already done ALL of the following:- maxed out your employer 401k match and are funding at the annual limit of $18,500+- maxed out your IRA- maxed out your HSA- paid off all of your debt, including the mortgage on your primary residence- are in the top marginal tax bracket and don’t want to simply own more insured, tax-exempt bonds, which would be much easier and more liquid- have extra cash every year that you want to accumulate in a semi-liquid vehicle, and are OK with the fact that you will pay someone to hold your cash and then have to pay them interest if you want to use it for something- value the fact that this may be off limits to creditors / lawsuits (in some states, you should check yours) - value the ability to leave a legacy even if it is less than what you could have left without the policyIf you can’t check all of those boxes then there are much better alternatives for you.  

Yes, if dedicated to that purpose (i.e. it can't be a guest bedroom or game room AND a home office). 

Recently, he messed up with the power company and didn't pay his bills (not on purpose, just didn't realize he hadn't set up the account correctly) and put in incorrect information that got him red flagged.

I wrote the above for informational purposes.

Additionally, net investment income does not include any gain on the sale of a personal residence that is excluded from gross income for regular income tax purposes.

We have used a number of banks for this purpose who also serve our international clients. 

If so, the solution to less taxes would be to channel more money out - hence your ideas to manufacture extra outflow by self-created notes etc.It does not work, mainly because the profit for tax purposes has little to do with cash flow.Example 1: principal payments.

She is a sit home mom and every year we contribute 5,500 in her Traditional IRAUp until now, I had SEP IRA where I contribute 20% of my business net income but now that I learned about QJV and making my wife partner, I would like to open a solo 401k for her and let her contribute 18,500 plus the company contribution1) Can she open solo 401k today and contribute the whole 18,500 in lump sum today for 2018 tax purposes?