It is our goal to help our clients recognize and then solve their specific management retention and benefit financing problems no matter how small or large. Many times we focus on cost recovery of employee benefits, and other times our clients are focused on providing a meaningful benefit to the key employees that discriminate in favor of them and avoiding the 401K limitations.

Let us show you and your company how to  attract, retain and reward those that are key to building your business at a fraction of the cost of what you think it might be.  Our programs provide ownership feel to non-owners, protection to their family while working, and income when it is needed most, in retirement.  We work with all carriers for the best solutions, while using some of the best and strongest financial services firms to customize these programs.   Your program can be as unique as your company.

“Creating The Perfect Plan”

P.S. Oh by the way, we sell life insurance….

Retirement Made Simple:

Want to make retirement simple?  Then talk to us about the following:

  • A Fixed Dollar Amount Set Aside
  • For a Fixed Period of Time
  • Growing at a Fixed Rate of Return
  • Generating a Fixed Cash Flow
  • For a Pre-Defined Fixed Period of Time

This can be done at the employer and employee level.  For more information click here.


Deferred Compensation Consulting on discriminatory benefit programs for key employees that may or may not be funded with Corporate Owned Life Insurance(COLI) or Bank Owned Life Insurance(BOLI).  Our modeling can help an employer understand how to structure a program that is unique in design to your company, but based upon thousands of plans before it.  We’ll help you analyze how to set it up in the best manner, and then analyze how it should be funded.  During this process, we explain the benefits, the accounting, the finance, and the investment types available.  If done right, we can help the business owner grow and transition to the next generation at little to no cost to the company over the life of the employee.

Check out our YouTube Page for additional videos or click on the link above for more articles.

Designed to Comply with all Government Regulations:

In conjunction with our recommended Third Party Administrative platform partners, we help our clients maintain compliance in this ever increasingly difficult regulatory environment. Customized benefit programs designed to comply with corporate and bank owned life insurance regulations IRC 101(j) as well as being designed to comply with deferred compensation regulations IRC 409A.

We won’t replace your advisor, we’ll work with them.

Our integrated approach that includes all of the client’s advisors:
Insurance Agent and/or,
Financial Advisor

assists the client in achieving their goals from the beginning.  Each plan is designed based upon the employer’s/employees’ needs with an emphasis on full cost recovery of the employer’s executive benefit programs.