AREAS OF EXPERTISE

We design, implement and manage Defined Contribution and Defined Benefit tax deferred plans, managing all third parties involved on behalf of the client.

 Our service offerings include:

  •  Money purchase pension plans
  • Thrift plans
  • Target benefit plans
  • Profit sharing plans
  • Stock bonus plans
  • 401(k) plans
  • SEPs (Simplified Employee Pensions)

We design, implement and manage a wide variety of customizable plans regardless of the type of corporate structure

Nonqualified Plans enable the business and its owners to tailor benefits around the needs of the business and its key employees.  That means the employer can favor one employee over another by offering a benefit to one that it withholds from the other.

Or, the employer may offer both employees the same type of benefit but give one a larger benefit than the other.  Furthermore, the business -- depending on the type of nonqualified plan -- may be able to recover some or all of its costs to provide the benefit.

An ESOP (Employee Stock Ownership Plan) provides an opportunity for the owner of a closely held business to sell some or all of their stock to an ESOP Trust in return for payments from the ESOP for up to the Fair Market Value of the stock to gain liquidity.

 

Employee Stock Ownership Plans:

  • Provide liquidity to a departing owner(s) tax-free
  • Borrow money at a tax-advantaged cost
  • Transition a business to new ownership tax-free
  • Provide current cash flow advantage through new share issues to the ESOP
  • Enable cash contributions are deductible
  • Enable contributions used to repay loans the ESOP takes out to purchase shares are tax-deductible
  • Ensure dividends tax deductible
  • Make sellers in C corporation eligible for tax deferral once ESOP owns 30%
  • Enable Employees pay no tax on ESOP contributions


Captive insurance companies can be owned by a single entity, by a group of companies or associations or even by insurance companies. All contributions to a captive are tax deductible. Features include:

  • Underwriting profits & investment income retained from insurance activities
  • Control over insurance program
  • Owner chooses service providers
  • Reinsurance is more flexible and cost efficient with risk retained in the captive
  • Enables “uninsurable” risk
  • Capacity to avoid price fluctuations in the conventional insurance market
  • Control over claims settlement and handling
  • Captives with less than $1.2m in premiums are eligible for an 831(b) tax election
  • Effective vehicle for Trust Estate Planning

 Our captive implementation operation is entirely turnkey, from discovery and actuarial pricing, to management in domestic and international jurisdictions. We conduct or oversee:

  •  Feasibility Study
  • Actuarial Pricing
  • Implementation
  • Audits
  • Filings

 

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