Executive & Owner Benefits

Risk Management Strategies 
Retirement Planning
Business Succession
Estate Planning

Risk Management Strategies

  • Personal Life Insurance: Insurance which helps provide for the surviving spouse and children. Depending on the situation, life insurance can also be used as a supplemental savings vehicle or as part of an executive's benefit package.
  • Disability Income Insurance: Insurance which provides an income if an executive or owner becomes sick or injured and cannot work. Other types of Disability Insurance include Overhead Expense Insurance or Disability prompted Buy-Sell funding.  Contact us for further information.
  • Key Person Insurance:  Life insurance which is used by the company to help replace a key employee after an untimely death.
  • Buy-Sell Funding: Life and Disability Income insurance policies can be used to fund Buy-Sell agreements.

Retirement Planning 

  • Nonqualified Deferred Compensation Programs: Mostly used when an employer wants to select certain key employees for which to help provide additional retirement benefits.
  • Executive Bonus Programs: A key employee benefit which can provide supplemental retirement income or provide survivor benefits at the discretion of the employer.
  • Qualified Defined Benefit Plans: An employer sponsored retirement plan for which retirement benefits are based on a formula indicating the exact benefit that one can expect upon retiring. 
  • Custom Carve Out Plans

Business Succession

  • ESOPs (Employee Stock Ownership Plan): A defined contribution employee benefit plan that allows employees to become owners of stock in the company they work for.
  • Family or Employee buyouts
  • Stay Bonus:  A cash lump sum payable if the individual remains with the company until a specific date or event.

Estate Planning

  • Current & Future Estate Tax Liability Solutions