Our programs are designed to help you meet your goals.

Employee stock options and programs like 401(k) plans are a good start, but they may not meet the financial expectations of the most talented executives. Executive employees want to enjoy a rewarding, worry-free retirement, pay for their children’s college education, and establish sound financial security. They participate in retirement programs to help make these dreams realities.

Due to government limitations, executives may not be able to achieve these lifestyle goals through your current benefit programs. Choose a Pensionmark advisor to carefully evaluate current costs and benefits, and explore possibilities for better, more efficient programs that may help your executives reach and protect their financial goals.

Nonqualified Deferred Compensation Plans


As more and more Americans have become responsible for their own retirement, 401(k) plans have addressed an important need. For many executives, however, the yearly investment limit is far too restrictive to fulfill their needs. Deferring compensation may be a solution to limitations in traditional qualified plans. Non-qualified deferred compensation plans can be designed to mirror familiar features of basic 401(k) plans, but without the cap on the dollar amount saved or contributed. These plans allow deferral of various forms of pay, including base, bonus, commissions, and special incentives.

Supplemental Executive Retirement Plans (SERPS)


Supplemental Executive Retirement Plans solve retention and motivation problems, helping to retain executives who are much needed for the continuity of your corporation’s success.

These types of plans are commonly called “non-qualified” because they cannot meet the broad coverage rules that are necessary to secure the special tax treatment afforded to tax-qualified retirement plans.

Funding Executive Benefit Programs


Funding executive benefits is often done using company cash, taxable investments, institutionally priced life insurance contracts, or a combination thereof. The executive benefits programs you want or need to attract and retain your key employees may make buying corporate-owned life insurance (COLI) a smart financial strategy. Pensionmark advisors can help you figure out if COLI is right for your organization.

Want to learn more about Executive Benefits?