Challenges Facing Banking Institutions

We understand the complexities of today's market conditions and challenges that might be around the bend for your bank. We have been there, working alongside our clients helping to guide them toward calmer waters.

  • Losing Key Talent

  • Tax Implications on Retirement Income

  • Impact on Financial Statements of Valuing Key People

Losing Key Talent

Are you using the right tools to provide a total compensation package that demonstrates how you value your key people?

Tax Implications on Retirement Income

With future tax rates likely to be higher, have you structured retirement benefits to maximize after-tax cash flow?

Impact on Financial Statements of Valuing Key People

Some benefit plans have more impact on the income statement and balance sheet than others. Have you reviewed the options lately?

From the blog

Risk Strategies & IZALE - Better Together

Risk Strategies Acquires IZALE Financial Group

Article By R. Scott Richardson, JD
peas in a pod

BOLI & Executive Benefits: Two Peas in a Pod

Article By R. Scott Richardson, JD
Balance Sheet

Balance Sheet Management: How to Pull Ahead of Your Peers

Article By Todd Taylor & Omar Hinojosa

The Risks and Rewards of Executive Benefit Plans

Find out how local community banks can attract, retain, and reward top talent AND see the red flags of a program not implemented and serviced correctly.

Learn more with R. Scott Richardson, JD, President & CEO
Business female talking to another woman

Our deep network gives us access to a variety of solutions:

Value People

  • SERP: Supplemental Executive Retirement Plans
  • My Financial Coach
  • Deferred Compensation Plans
  • Split Dollar Loans
  • REBA: Restricted Executive Bonus Arrangements
  • Supplemental Life Insurance
  • Supplemental Disability Protection
  • Disability Insurance
  • Long-term Care Insurance

Improve Earnings

  • BOLI: Bank Owned Life Insurance
  • Funding Agreements
  • Fee Income Strategies

Protect Assets

  • Business Succession Planning
  • Key Person Planning
  • Private Placement Life Insurance and Annuities
  • Retail Life Insurance and Annuities

3 Simple Steps to Finding Your Tailored Solution


We'll start by asking a few questions and listening to your challenges and concerns.


We then research and collaborate, including our network of experts as needed.


Lastly, we tailor a solution that fits where you are and builds a roadmap to your goals.

Let’s start the conversation

Just fill out the form, call 855-492-5334 or email us.