Today’s large corporations and professional practices require competitive compensation and benefit programs to attract top executive and professional talent. These high income earners seek cost effective and tax favored opportunities to build, preserve and protect personal wealth.

Unfortunately, due to statutory benefit limitations, traditional benefit plans generally offer limited solutions. An effective alternative is to “carve out” professionals and executives, and to provide individual policy benefits - including Life, Disability and Long Term Care Carve-Out strategies and Non-Qualified Retirement Plans.