Compensation Consulting

Strategic, human support.

When it comes to financial security for you and your family, pre-packaged solutions just aren’t good enough. You need a thoughtful and thorough approach to estate planning that merges your personal, financial and philanthropic goals. And it needs to be flexible, because life is anything but predictable.Asset RepositioningYou’ve worked hard to be successful and to make sure you can enjoy retirement. But is your legacy set up so that it won’t leave your heirs struggling with hefty estate taxes? We can look at your portfolio and suggest ways to reposition assets that can help the people you care about keep more of the inheritance you left them.FinancingDo you want to increase your death benefit amount? Already used up or don’t want to use your lifetime gift tax exemptions or your gift tax annual exclusions? You might just want to be able to use your cash instead of tying it up in insurance premiums. We can take a look at a variety of financing strategies that will get you the coverage you want with the flexibility you need.Leveraged GiftingWant to turn your lifetime gifts into an even smarter wealth transfer strategy for you and your beneficiaries? You can leverage those gifts when you buy life insurance — effectively reducing the size of your taxable estate and the corresponding estate taxes. We’ll work with you to decide if leveraged gifting could benefit your estate planning strategy.TrustsMaximize your legacy by minimizing the potential for estate and gift taxes through a trust. A trust also helps keep your assets from being stuck in probate — and your heirs from having to deal with the related costs, delay and publicity. We can take a detailed look at your specific situation to find or create the type of trust that works best for you.Charitable PlanningHave a cause that’s near and dear to your heart? Now’s the time to think about leaving a charitable gift to your favorite nonprofit. Not only do you get to support something you believe in, you could avoid higher taxes on income, capital gains and dividends. We can work with you to craft a charitable planning strategy that’s a win-win.PartnersFinancialOur membership organization PartnersFinancial is made up of elite insurance professionals who can help ensure you get the solution that works best for you. As part of PartnersFinancial, they’re able to bring you a higher level of service and a tremendous breadth of products and expertise. And that’s just the beginning. Their long-term relationships with top life insurance companies, as well as their access to product intelligence, innovative technology and underwriting experts who know how to get things done, mean they’re in prime position to negotiate the best possible offer for your specific case. Hands-on, personalized support every step of the way is just the icing on the cake.Let’s work together to make sure you leave behind what you’ve intended.

Taking the mystery out of investing.

The factors that affect a fund manager’s performance don't need to be a mystery. Through an independent and sophisticated institutional measurement approach, you’ll be able to look at the individual elements of success that define superior investment manager skill. Our proprietary Scorecard System™ can help you improve outcomes, manage risk and reduce fiduciary exposure.Using a custom benchmark index that explains a fund’s market-related and style-related investment returns, your analysis will show you unexplained variances that can be attributed to manager skill. We’re talking more than 40,000 funds on hundreds of provider products. Fueled by our institutional approach, your investment review incorporates: Modern portfolio theory statistics Quadratic optimization analysis Risk-adjusted return Fund style Peer group rankings Fund manager tenure The fund’s expense ratio relative to the average fund expense ratio in the asset class category The fund’s strength of statisticsTogether, these factors let you measure the relative performance, characteristics, behavior and overall appropriateness of a fund as an investment option.Working in a registered investment adviser capacity, we can act as either a 3(21) or 3(38) cofiduciary to the retirement plan with respect to the selection and monitoring of investments. You’ll receive an investment policy statement, manager scorecard, quarterly market summaries and transition assistance whenever you need to terminate or hire a fund manager.

Great solutions made easier.

You'll get customizable plans, proprietary plan administration software — and exceptional service. Our decades of experience achieving cost-effective, competitive benefits will take you from plan design consulting, evaluation, analytics and modeling through product placement, education and implementation. Your strategic solution is delivered through one-on-one support and a three-step process.First, Consultation and Advice Plan design consulting: Your open-architecture design plan lets you evaluate contribution sources, distribution options, funding considerations and investment choices. Documentation: You'll get compliant documentation based on the specific benefit plan design you choose. Implementation and enrollment: Your design includes a detailed timeline, coordinated data exchanges, administration guidelines and enrollment materials customized for your company.Next, Guidance and Support Case design and modeling: You’ll have benefit plan design analytics, including “What if?” modeling, detailed cash flow, and profit and loss forecasts. Your financial analytics will include testing for premium sustainability, investment drag and carrier/product analysis. Investment option analysis: You’ll get an analysis of your financial hedge offsetting your plan liabilities as well as a draft of your investment policy statement. We’ll also conduct due diligence reviews and provide guidance on fund and asset allocation models. Product placement: Your product selection assistance will include an educational component customized for your company’s needs. Conversion: Your transition plan will be executed by a talented team of experienced professionals.Then, Personalized, High-Touch Service Record keeping and administration: We can provide plan contribution processing and plan reporting to participants and sponsors. You'll also get asset support and corporate-owned/bank-owned life insurance services. Premium processing and cash value reporting are included as well. Web access: You'll have access to dedicated participant and sponsor sites, including international plans, if applicable.