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Tailored Benefits to Retain and Attract Talent

Executives and key employees are responsible for developing, nurturing and maintaining the crucial relationships, proprietary processes and valuable assets that make your organization competitive.

Retaining key employees is a strategic advantage and one of the fastest ways to grow your business. Compensation and benefits are on the minds of all employees—including your top executives. Their total rewards plans deserve, but rarely get, the same level of care and thoughtful attention as any other plan.

At Business Benefits Planning Group, we help bring a big-picture outlook to your strategic discussions around executive benefits and other customized solutions for all types of:

  • Asset Allocation
  • Income Needs
  • Retirement Planning
  • Wealth Accumulation
  • Asset Protection Programs

A strategic approach to human resources and benefits can help you recruit, retain, and reward talent to fuel your organization’s growth and success.

Tax-Free Retirement Income Planning

This program provides lifetime tax-free retirement income, chronic Illness protection, critical Illness protection, and guarantees no loss of principal due to stock market downturns, yet, in some situations, can capture up to 80% of market gains. Not only does this vehicle allow unlimited contributions, it also enables investors to withdraw before age 59 ½.

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This strategy is called Index Universal Life has been used by the wealthy for many years, and with taxes likely to rise over the coming years, it becomes an even more prudent strategy to supplement tax free retirement income while providing benefits not found in other vehicles. The riders are called living benefits and include chronic illness, critical illness, critical injury and terminal illness. They allow you to access cash by accelerating the benefit against the face amount of the life insurance up to a lifetime benefit of $1 million, to provide care for critical illnesses such as organ transplant, heart attack, renal failure, blindness, cancer, stroke, ALS, and many more. In the case of a chronic illness in which you are unable to perform two out of six activities of daily living, you can accelerate up to 2% of the Face Value Per Month (up to $20k) for a total lifetime benefit of $1.5 million. This works like to a long-term care benefit. For any critical injury the lifetime benefit is $1.5 million. For a terminal illness that will result in death within 24 months, you can even access 100% of life insurance benefit up to a total lifetime benefit of $1.5 million. In addition, the use of benefits is not restricted and may be used for expenses including medical, additional care provided by family members, travel, home renovation, and business expenses.

Retirement Plan Management and Monitoring

The ability to help optimize the performance of any institutional, retirement and personal portfolio means having access to in-depth research, unbiased assessments of opportunities, and professionals who are confident in their recommendations.

Drawing on the knowledge and experience of your partners is something you should be able to count on. In changing market conditions, both short- and long-term financial objectives face daily threats.


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With Business Benefits Planning Group, you have an experienced team of senior investment and fiduciary professionals who conduct the analysis and work directly with you to help optimize and monitor your financial goals.

Having your retirement plan managed to take advantage of market upturns is important, but guarding your retirement plan is even more crucial in today’s economic environment.

We offer our clients retirement plan management and monitoring services with WealthGuard™, so you have added peace of mind.