Our Solutions

Using the insights we’ve gained from our many successful engagements, we explore your unique situation and offer customized recommendations from our open architecture suite of solutions.

The benefitDIAGNOSTIC is your first point of reference for discussion.

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  • Nonqualified Deferred Compensation - enables highly compensated employees to defer compensation on a pre-tax basis in excess of qualified deferral limits.
  • Supplemental Executive Retirement Plan (SERP) – a nonqualified plan that is used to supplement an executive’s retirement income that can act as “golden handcuffs” through the use of vesting schedules
  • Equity Alternative – a way to incentivize top performers that can be used in lieu of or to augment traditional equity based plans
  • Executive Bonus – a company sponsored plan designed for tax-deferred accumulation and tax-free distribution

Capital Maximization Strategies

  • A program designed to improve the IRR on inert corporate cash holding

Restorative Benefits Suite

  • Carve Out Disability Insurance – a program for highly compensated individuals to cover the gap created by traditional group disability limits that could result in a significant income shortfall in the event of disability
  • Specialty Life and Disability Insurance – specialty programs to accommodate ultra-high limits or special circumstances that can’t be covered through “off-the-shelf” products
  • Long Term Care – a benefit program that helps executives offset one of the fastest rising costs of retirement

Tax Exempt Organization Suite

  • 457 Select – a non-qualified plan that is used to supplement an executive's retirement income that can act as "golden handcuffs" through the use of predetermined service periods
  • Executive/Physician Bonus - a company sponsored plan designed for tax-deferred accumulation and tax-free distribution

Bank Strategies

Premium Financing

  • Programs designed to use borrowed dollars to fund estate planning or business planning needs in order improve cash flow

Business Owner & Succession Planning

  • Estate Planning – preserves assets for future generations
  • Buy-Sell – assures business continuity by properly planning for the transition of business interests in the event of an owner’s premature death
  • Key Person Insurance – protects against the financial impact of the premature death of a key employee

Qualified Plans

  • Ensure you have best in class plan offerings

Compensation Consulting

  • Through our relationship with LTC Performance Strategies, you can be sure your compensation strategy is competitive

Health & Welfare

  • Review your existing group plans to ensure you have the best option available