Want to reward key executives without increasing their taxable income right away—or triggering qualified plan limits? A SERP is a powerful, flexible tool that lets you promise future retirement income to your top people while keeping control over the payout timeline.
📊 Incentivize long-term success.
✅ What We Offer
- Custom SERP Design
- Tailored to your company’s goals, participant role, and desired retention period.
- Employer-Funded Life Insurance-Based Plans
- Funded with permanent life insurance owned by the business, structured for long-term growth and control.
- Deferred Compensation Strategy
- Employees pay no tax until benefits are received—often during retirement, at a lower rate.
- Golden Handcuffs + Vesting Options
- Keep key talent loyal with incentives tied to long-term service.
🔍 How SERPs Work
- The business agrees to pay the executive a retirement benefit at a future date
- The business funds the plan (often using life insurance)
- The plan can be forfeited if the employee leaves before vesting
- Benefits are taxable to the employee only when received
- The business may recover costs through policy cash value or death benefit
🧭 How We Help You Implement It
We guide you through:
- Structuring the plan around performance, tenure, or milestones
- Funding strategies that are sustainable and tax-smart
- Integrating the plan into your total compensation package
- Ongoing administration and review
Whether you’re building a single SERP or a tiered strategy for multiple execs—we make it work for your goals.
📈 Why It Matters
SERPs help you:
- Retain and reward top executives without salary spikes
- Stay competitive in recruiting high-level talent
- Defer taxes for the employee
- Maintain control over the plan until retirement or exit
📞 Let’s Talk
Want to keep your top people—and give them a reason to stay?
Let’s build a SERP that benefits everyone.
👉 Schedule a Free Review or call 904-295-8498.