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  1. The Prospects For Eecutive And Retirement Plans In 06
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  3. Severance in the Spotlight: New Risks to Executive Contracts

Subscribe Now to This Newsletter free. Both a reference book and a study guide on qualified plans, the ERISA Outline Book is now available in a special online edition, constantly updated to reflect the very latest developments. Search, take notes and bookmark content. Whether private employers will broadly embrace -- or even adopt -- state-supported retirement plans remains to be seen.

However, it is clear that states could be powerful new entrants into the retirement plan marketplace. With this Interpretive Bulletin, the DOL has given states the green light to move pursue strategies that encourage increased adoption of retirement plans by in-state employers. The legislation would tackle five distinct issues, including rules on controlled groups, grandfathered defined benefit plans, automatic enrollment, transfers between b and a plans, and trusts, the release said.

The information collected is intended for plan sponsors to gauge their plans against their peers. Several lawmakers registered their opposition to a separate fiduciary proposal under way at the Department of Labor The most impassioned critique came from David Scott D-Ga. We customize it for any company to use with absolutely no fee to us.

The "cost" is a donation to the food bank or shelter in your town. That's it! Preview the card here and join the Holiday Card Project. The DOL has said it has carefully designed its guidance to work with the states on this. Clark chair in executive compensation and benefit planning and professor of taxation and pensions at The American College, were new regulations impacting executive pay.

Businesses, he noted, have to be careful not to overstep restrictions that Internal Revenue Code Section imposes on nonqualified deferred compensation. The A rules, which took effect in January , specify events when execs can take distributions on deferred comp e. And, certain exceptions notwithstanding, the code also prohibits an acceleration of benefits. McFadden suggested the rule does, in fact, prohibit such contract renegotiations.

You cannot accelerate payments; nor can you extend payments unless you satisfy the rule. Proposed additions to A dating from September would, among other things, also broaden the definition of deferred compensation.

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Example: companies that reimburse executives for post-retirement medical expenses. The Blue Book a joint congressional committee report on the American Jobs Creation Act of , of which A is an outgrowth, now requires that offshore rabbi trusts and trigger provisions established prior to be terminated or made A-compliant.

While restricting nonqualified compensation packages for top executives, the federal government is broadening them for qualified plans. Starting Jan. Eligibility is not restricted by income threshold and, as with the k , employer-matching contributions are pre-tax. The plans come with caveats. Contribution amounts are subject to ADP limits. Distributions are limited to regular k rules termination, death, disability, etc. And regular minimum distribution rules apply i. Johnson provides the ESOP with valuation consulting services.

The Prospects For Eecutive And Retirement Plans In 06

Johnson has been active with the NCEO for many years, having made presentations at the annual conference since We provide provide comprehensive services that include financial services, legal services, employee communications, plan administration and investment banking services. We provide comprehensive services that include financial consulting, legal services, employee communications, plan administration, and investment banking services. Listed under: Independent Board Member.

Active in the field since , he works with companies on technical training, group norms, survey assessment, plan design, and communicating about transactions. He speaks extensively and writes for academic, trade, and employee-ownership publications in the US and abroad. He has served on company and non-profit boards and is actively seeking positions on the boards of employee-ownership companies.

Connecting all of your employees to the strategy, creating shared visibility into what everyone is working on, and providing a framework for ongoing conversations between employees and managers is what we are all about, utilizing a system called OpaConnect. Listed under: Workplace Communications. If we can't help you, we will happily refer you to someone who can. This is all we do, and we take pride in doing it better than anyone else.

The Principal R provides ESOP clients with full-service consulting, actuarial, administration, and recordkeeping services through our consultative approach, commitment to the industry, and proactive, personalized service model. Private Capital Corporation Dickson C.

Our focus: 1. Tax advantaged use of employee stock ownership plans ESOPs --feasibility study; installation and communication; transaction design and annual administration. ESOP operational reviews 3. Arrange financing for an ESOP transaction or a growing company. Creating an atmosphere wherein employees think and act like owners. Merger and acquisition strategies. Prior to establishing PFS, Mr. Paredes brings an expert-level understanding of ERISA compliance, coupled with relevant business experience, and a common-sense approach to engagements.

In addition to his unmatched expertise, Mr. Roland M. Attenborough, Inc. Attenborough is an attorney-CPA whose practice is devoted primarily to developing creative techniques for leveraged ESOP transactions, business succession planning, management buyouts, and merger and acquisition transactions. The firm coordinates the feasibility, design, and legal work for the ESOP project with the necessary financial advisors, lenders, appraisers, and fiduciaries to achieve the best result. The firm can provide estate planning expertise or work with the client's estate planning advisors.

In addition, the firm acts as independent legal counsel to ESOP fiduciaries and lending institutions in a wide variety of situations. Our clients are middle market companies many of which are ESOP owned companies principally in the manufacturing, construction and distribution industries.

We prepare review- and audit-level financial statements and all income tax related forms for the company and the shareholders. Rowan Tree Perspectives, llc. Sansome Street Appraisers, Inc. Schuck Law Group Edwin G. Schuck brings over 40 years' experience to his tax and corporate practice, which focuses on complex business transactions, mergers and acquisitions, private equity, venture capital, ESOP leveraged buyouts, and executive compensation. His practice involves corporate governance, fiduciary responsibility, tax-exempt entities and finance, public and private finance, partnership, joint venture, real estate, and international and cross-border taxation and transactions, as well as federal, state, and local tax controversies and litigation.

The broad variety of clients he oversees are in the construction, real estate, and manufacturing fields. Services Bill coordinates include tax compliance and planning, projections, forecasts, calculations and budget models, planning for proper entity choices, estate planning, and performance milestone measurement. That is our promise to our clients, and the founding principle of SOS. Since , SOS has helped companies overcome whatever challenges they are facing. Then we go beyond that, and make your stock plans better. We learn a little more each time, and bring fresh knowledge to the next challenge, setting and extending standards for the equity compensation world.

Let SOS expertise drive the success of your equity compensation programs. Known for analytical skills in charting-the-course of what could be possible and then developing a plan to make it reality. I guarantee results resulting in a rewarding partnership. We specialize in sell-side representation, business valuations, and financial and fairness opinions, including ESOP formation, valuation, and feasibility.

The Price Company Philip D. A recognized leader in the establishment of ESOPs with over 80 combined years of experience, The Price Company serves clients throughout the western states. Highly trained staff focus on assisting clients in obtaining their financial goals through the unique regulatory environment of qualified plan administration.

As an enrolled agent, Philip Price is authorized to represent any client before the Internal Revenue Service. He has extensive experience in defending claims involving ESOP valuation issues and breach of fiduciary duty claims against both inside and independent fiduciaries. SVIG leverages the tools of UBS's Equity Participant Advisory Services EPAS and other firm capabilities to offer corporate clients a range of scalable financial programs including 10b trading plans, executive financial planning engagements, employee education programs, corporate-sponsored Donor Advised Funds, as well as personalized strategies to individuals.

The firm has significant experience advising trustees on the structural and financial issues of new and existing ESOPs, including representing the ESOP on valuation-related matters; advising on transaction structure; negotiating on behalf of the ESOP; assisting in the design of ESOP securities; and providing annual appraisals for Plan trustees.

Headquartered in San Diego and with offices in New York, Los Angeles, and Philadelphia, VPA assists clients with mergers and acquisitions, post-transaction integration, corporate restructurings and divestitures, financial reporting, estate planning and tax strategies, litigation, bankruptcy, and corporate planning. Windes, Inc. The firm focuses on the needs of both publicly traded and privately held businesses, exempt organizations, qualified retirement plans, and high-net-worth individuals. Prior to starting his own firm, Ron was a CFO in industry, after which he headed the private business consulting group of a major regional CPA firm, where he managed transactions involving business valuations, mergers and acquisitions, corporate financial consulting, and ESOP engagements.

Lint is an expert witness in the U. Tax Court involving corporate valuation issues, and is a recognized expert in the implementation of ESOPs for private corporations. Rickles' practice focuses on the design and implementation of retirement, k , nonqualified deferred compensation, employee stock ownership, Section and other employee benefit plans, and tax-sheltered annuities.

He received his B. Along with our traditional audit and tax services, we consult with clients on many issues that face the ESOP strategy. This included business transition planning, ESOP structuring, establishing a firm culture, and growth financing. We focus on business valuation, litigation support, and forensic accounting.

As a result, we have a team of more than 20 valuation professionals with a deep level of technical knowledge and a broad base of experience. That means if you're looking for someone to value your company for ESOP purposes, including fairness opinions, we can help.

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Or, if you're looking for someone to value your equity compensation plan, we can help there too. And of course we can help you when transferring ownership to insiders, either through an employee stock purchase plan or a more traditional transaction. Most importantly, we'll help you communicate this value to trustees, employees, and regulators.

The practitioners at Intrinsic are experienced and credentialed valuation specialists, having completed hundreds of engagements for clients based throughout the United States. Intrinsic is defined by a depth and breadth that only comes from years of valuation experience. Our engagements address complex financial issues faced by clients in a wide variety of industries and situations. Whether it is a closely held family enterprise or an institutionally owned portfolio company, our firm provides valuation solutions precisely tailored to the unique needs of our clients.

Jason Wiener p. We seek to develop deep and lasting relationships with clients by getting to know intimately the culture and vision of the organization, meeting with its key staff and informal leaders, and striving to provide customized, efficient and dynamic advice. We collaborate with clients to problem solve and create within the practical context of the organization and real-world constraints.

We provide accessible and highly responsive client service and will keep you as up-to-date and involved in your matter as you want to be. Listed under: Equity Compensation Law Firms. Mahaffey and Ms. Steinhour focus on taxation, finance, corporate, and transactions. They provide counsel on many tax-sensitive and ERISA-related matters including ESOPs, qualified plans, and advice to plan sponsors concerning fiduciary and plan administration issues. They also handle compensation and fringe benefit matters, including qualified and nonqualified options, self-funded welfare benefit plans, and related matters.

Zick Business Advisors, Inc. Connect with Trust. Zick has over a quarter- century of ESOP experience. We specialize in businesses with or considering ESOP or other stock-based ownership or incentive plans. Long-term relationships are our goal, since stability is an important factor in ESOP valuations. Our services include transactional and annual ERISA required valuations, feasibility analysis, fairness opinions, and valuation and consulting services regarding other equity-based compensation and incentive plans.

The principals of the firm have over 50 years of combined experience in the valuation business. As senior members of the American Society of Appraisers, all have written and spoken widely on the topic of valuations for ESOPs and other purposes. Headquartered in New York City, Marcum provides a full spectrum of traditional tax, accounting and assurance services; advisory, valuation and litigation support; and an extensive range of specialty and niche industry practices.

Our highly experienced and respected team of valuation and accounting experts provides business valuation, consulting, accounting, and auditing services to ESOPs across the country. We regularly act as independent financial and valuation advisors in ESOP transactions and have assisted in establishing ESOPs for companies of all sizes. As president of Grandview Capital Strategies, Inc. Through our associations, we can help perform a search for other service providers such as trustees, lenders and appraisers.

We also employ a talented group of communication specialists to ensure that your plan's participants are well educated and excited to be "employee owners". Advanced Valuation Analytics, Ltd. From the day you begin to consider an ESOP through dealing with the complex compliance demands that your plan will entail going forward, RSM's deep experienced ESOP team will be a valuable resource: accountable professionals to whom you can always turn for quick, reliable advice.

We can help you with all aspects of your business from family-owned businesses and publicly held companies to not for profit and governmental entities. We are committed to you and your success by building relationships one client at a time. We are here to assist businesses, government agencies, nonprofits and high-wealth individuals with comprehensive tax and accounting needs. Our practice focuses on helping clients meet present and future objectives.

In preparation for the future, we have fully implemented a succession plan so the firm you work with today is the firm you work with tomorrow. We have extensive expertise in ESOP administration, providing a full complement of plan and participant level services for more than ESOPs nationwide. These services include recordkeeping, compliance testing, Form preparation, benefit plan auditing, repurchase liability studies, and general consulting.

From your first contact to your last question, you will find your ESOP team to be knowledgeable, accessible, professional, and flexible. I have a strong background in contracting. I believe in the benefits of Employee Ownership to all sides. As a trustee I had the opportunity to learn the practical lessons of the importance of good governance and limiting conflicts of interest.

I am available for board service throughout the country and mentoring those considering the formation of an ESOP. Greenberg Traurig Jeffrey S. Additionally, fair market value appraisals are commonly undertaken on behalf of our clients for purposes associated with estate taxes, gifts of closely held stock or equity interests, preferred stock freezes, buy-sell agreements, and actual sales transactions. Valuation Advisory Services, Inc. Valuation services include appraisal reports, fairness opinions, equity compensation and related consulting work. We serve as directed or discretionary ongoing trustee for more than 75 ESOPs and have served as transaction trustee for more than engagements.

Our team has extensive experience in all facets of ESOP transactions and administration. Argent represents ESOPs and other plans in transactions involving employer securities. In addition, we take over from others the role as ESOP trustee or special fiduciary and perform the administrative tasks connected with our fiduciary duties. As a trustee, and in addition to our other duties, we invest cash contributions in other assets such as stock and bonds.

Employers whose ESOPs and other plans we serve are both private and public, large and small, and located in all parts of the country. Loud, CPA, ABV, CFF, CVA, ASA, is a co-founder and managing director of Censeo Advisors, LLC, a professional services firm dedicated to providing economic peace of mind to clients by delivering proven business valuation, financial advisory, and forensic analysis services, including work performed in conjunction with employee stock ownership and executive compensation plans.

Our team of highly experienced and accredited practitioners assists clients and other professionals with feasibility, implementation, transaction due diligence, and subsequent valuation needs. For assistance, please visit our website at www. GT is a single firm resource for ERISA, ESOP, and Employee Benefits litigation issues, defending clients in class actions and single plaintiff matters and advising in government investigations and mergers and acquisitions.

Todd works closely with lawyers and professionals in many GT practices to bring a unique and tailored approach to every case. We are based in Atlanta, Georgia, but we serve businesses nationwide. HBL has the knowledge and experience needed to help you with all your employee benefit needs. Our team understands that Employee Stock Ownership Plans ESOPs are a sophisticated benefit that can offer significant advantages to both employees and business owners. Our clients include plan sponsors, trustees, offices and board of directors.

Founded in , Krieg DeVault provides clients of all sizes with the highest level of service. Nest Egg Communications delivers professional communications products, digital solutions, and in-house creative for the ESOP community. Clayton holds multiple degrees in communications and is a frequent speaker at national conferences on the topics of ESOP communications strategy, marketing communications alignment, employee engagement, and leadership communications. Since , we have helped hundreds of companies structure, value, and sustain their ESOP.

We take pride in our well-earned reputation of providing independent guidance, industry expertise, and outstanding results to our clients nationwide. We provide comprehensive services for ESOPs including education, communication, plan design, repurchase liability studies, consulting, and ongoing administration and recordkeeping. Since Swerdlin does not sell financial products or provide investment advice, our recommendations are never influenced by financial gain.

The team focuses on creating liquidity and diversification through Section tax deferral and family wealth management. Our wealth management expertise and ESOP focus have earned our clients' trust. Our mission is to provide comprehensive technical and investment knowledge that result in the delivery of our unique experience, where value exceeds expectations. The purpose of this knowledge and experience is to bring about clarity and confident decision-making to clients and their families, as well as their companies and stakeholders.

Our passion for our clients underscores why we do what we do. That passion remains at the core of our promise and mission to help you thrive and accomplish more of what's important to you, always. We do that by being on and at your side--helping you make the most of opportunities to create, grow and protect value. We audit over employee benefit plans each year, including ESOPs.

The company also has offices in Atlanta, Georgia, and Portland, Oregon. Windham Brannon, P. We audit over 80 employee benefit plans, including ESOPs, annually. Many of our professionals began their accounting careers with "Big 4" national firms, so our clients benefit from our "best of both worlds" service delivery: national- firm talent providing local- firm attention. Furthermore, Windham Brannon's professional staff is among the most experienced in the area of employee benefit plan audits.

The Principal R provides ESOP clients with full-service consulting, actuarial, administration, and recordkeeping services through our consultative approach, commitment to the industry and proactive, personalized service model. We have eight professionals with deep expertise in ESOPs, value creation and ownership transition for privately held companies. Contact Mark Buchanan, Mark. Buchanan bmo. Gardner bmo. Valuation Advisory provides valuation services for annual ESOP administration, estate planning, or in conjunction with the sale of a business. Our experience insures an objective and independent opinion of value that is accurate and conceptually sound, defendable to the most discerning reviewer, and provides assurance to business owners, boards of directors, special committees, institutional trustees and others fulfilling fiduciary responsibilities.

Our team of professionals has performed and supervised over valuations of privately held companies in a multitude of industries. Business owners and their advisors choose us when they need to measure, enhance, preserve, and transfer the value of their business interests. Working closely with boards of directors, family offices, management, trustees, and other advisors, we develop an in-depth understanding of both the financial considerations and the underlying business drivers of each business. We also have extensive expertise in ESOP administration, providing a full complement of plan and participant level services for more than ESOPs nationwide.

Campbell's practice focuses on corporate and tax matters, with an emphasis on mergers, acquisitions, and other transactions, employee benefits retirement and welfare , ESOPs, executive compensation, and business continuity planning. Campbell and his firm also handle a wide variety of tax and employee benefits controversies and litigated matters.

Levine's practice includes all areas of employee benefits law, including ESOPs and other tax-qualified retirement plans, stock option and other equity compensation plans, and ERISA fiduciary matters. Drinker Biddle is a full service business law firm with nearly attorneys practicing in 14 offices around the country.

Financial services for new ESOP companies include financing, transaction feasibility, valuation, and security design. Our experienced team of ESOP lenders have a strong knowledge across a broad range of industries and place a high emphasis on customer service. As one of the largest independent trust companies in the nation, we provide a comprehensive range of fiduciary and financial services.

Comprehending Internal Revenue Code 409A

GreatBanc brings together a team of professionals whose average experience in the industry exceeds 20 years. Our team offers exceptional expertise embracing a wide range of professional disciplines, including legal, financial, fiduciary, investment, retirement planning, financial planning, and trust and estate planning. Interdisciplinary practice groups and industry-based teams provide clients with access to attorneys throughout the firm, regardless of location.

Houlihan Lokey Kreg J. We have structured hundreds of ESOP transactions, enabling us to i devise a variety of unique capital structures to meet clients' goals and ii bring current and directly applicable transaction experience to bear.

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  8. This group helps make J. She focuses on employee-owned companies and has extensive experience with ESOPs, and options, restricted stock, and phantom stock plans. Ann also works with other tax-qualified retirement plans, such as k plans. A significant portion of Ann's practice consists of advising clients on Code Section A compliance and finding practical compliance solutions. She assists employers in becoming employee-owned through the adoption of an ESOP, counsels ESOP trustees on their fiduciary duties, helps employers establish and maintain committees for proper governance of benefit plans, and provides fiduciary training to benefit plan fiduciaries.

    The firm represents both closely held and publicly traded businesses and is regularly engaged in assisting those clients with their ownership, management, and business succession issues, including those involving ESOPs. ESOPs are approached on a multi-disciplinary basis, involving where appropriate, lawyers from its employee benefits and executive compensation, corporate, tax, securities law and other related practices. Our attorneys are nationally recognized for their experience in working with owners who have sold their business to an ESOP and for their skill in assisting ESOP companies comply with the complex laws and regulations involved in the administration of their plans.

    We also have experience restructuring companies wishing to form an ESOP to fully realize preferential tax benefits available to them, as well as representing fiduciaries in various types of transactions involving ESOPs, including acquisitions and divestitures involving the plan sponsor and termination. Our ESOP finance team consists of seasoned commercial lending experts who understand the complexities of an ESOP and offer broad lending experience across a variety of industries.

    MB Financial Bank serves as a reliable financing source for ESOP transactions, including leveraged and non-leveraged transactions, full and partial sale, second stage transactions, and seller note refinance. He represents ERISA and ESOP plan sponsor companies, their directors and officers, plan fiduciaries, administrators, investment advisors, and other service providers in a wide variety of matters, including U. Department of Labor investigations and lawsuits brought by plan participants and the DOL.

    Severance in the Spotlight: New Risks to Executive Contracts

    Nationwide, our firm administers nearly 1, ESOPs which range in size from 20 participants to 15, participants. To help reduce expenses associated with employer-sponsored retirement plans, the Economic Growth and Tax Relief Reconciliation Act of allows plans to establish IRAs for former employees who are missing or non-responsive. Implementing an automatic rollover solution allows plan sponsors to outsource former employee balances to a qualified IRA provider, thereby, saving money, time, and personnel resources while preserving tax deferred retirement savings for former employees.

    We listen to your unique vision for retirement. Do you want to spend time with grandchildren? Work part time? Start a business? Once we understand your vision, we estimate your retirement spending budget and take into account tax considerations. Next, we catalogue your current investments employee stock, k, IRA, and real estate. We consider what age you can retire. The goal is to comfortably live off your social security, ESOP, and other investments. We have the expertise to diversify your company stock into an investment portfolio to meet your lifestyle needs.

    We manage that portfolio during your transition to retirement and distribute your retirement income each month or quarter. Prairie Capital Advisors, Inc.

    Lifson has considerable experience in the design, implementation, and administration of employee benefit plans of all kinds, including ESOPs, non-qualified deferred compensation arrangements, stock option plans, phantom stock plans, and other equity-based incentive arrangements. Stout completes more than engagements annually for ESOP companies nationwide. Our team of experienced professionals bring an average of over 30 years experience working with qualified plans. In addition to ESOP services, we provide consulting, investment advisory, and trustee services to all qualified plans.

    We work closely with benefits attorneys, recordkeepers, and valuation firms to provide highly specialized skills for plan sponsors and their participants. Vedder Price Daniel Lange N. Vedder Price P. Accordingly, the firm has the experience and insight to assist clients with their ESOPs and stock option plans. The firm also has up- to-date plan and administration documents that can easily be customized to fit clients' needs. Verit's unbiased advice and custom solutions drive successful outcomes while alleviating transaction obstacles. Verit's team has successfully completed hundreds of transactions on a national basis across a multitude of industries.

    Our team has the breadth, ability, expertise, and independence to design a unique transaction for each situation. Through our regional commercial banking offices we serve customers in all parts of the country. We also offer a complete platform of traditional banking and brokerage products, including investment banking services, asset based lending, wealth management, and equipment finance.

    Throughout a transaction, we collaborate with other business lines at Wells Fargo to help support a transaction from start to finish. Our team specifically focuses on Section tax deferral, portfolio design, and wealth management. We also focus on ESOP trust asset management, specifically designed around repurchase obligation needs. Our solutions include traditional banking services for commercial lending, asset based lending, treasury management, international services, wealth management, capital markets, and equipment finance. We remain involved throughout the lifecycle of the company, from the initial transaction and second stage transactions, to the refinancing of seller debt and repurchase obligations.

    I have performed business valuation services for more than 12 years, completing in excess of 1, valuations. We understand ESOPs and bring a talented team with a multidisciplinary approach to plan design, transaction structuring, implementation, and administration. With over legal professionals in seven offices, we have the experience and capacity to handle ESOP compliance, compensation, finance, fiduciary, governance, and tax issues seamlessly, efficiently, and creatively.

    Fiduciary Trust Services, Inc. My partner, Mark Hannah, and I have a combined plus years' of experience in business consulting. I am qualified to consult on many different aspects of the ESOP- owned company, including ownership culture, financial responsibilities, trustee services, etc. Dave has over 25 years of experience in the Employee Benefit field including compliance, auditing, administration and trust work. He graduated from Indiana State University with a B. Since , Horizon Trust has been working with ESOPs, and we have established a committee of dedicated professionals, each devoted to specific areas of ESOP focus and expertise including: risk management, valuation, legal, and retirement plans.

    Each committee member brings a unique perspective to the transaction and ongoing trusteeship processes, allowing us to find creative solutions to difficult problems. Since implementing our own ESOP in , we have benefited from the same values and overcome the same obstacles that you are facing. We understand the distinct opportunities an ESOP provides to owners and employees and know that the key to staying ahead is having knowledgeable, trusted advisors on your side. We provide a wide range of professional services -- from ESOP consideration feasibility studies to the closing of the transaction.

    Our clients include plan sponsors, trustees, offices and board of Directors. McCready and Keene, Inc. Based in Indianapolis, McCready and Keene provides trust programs that can use an open architecture investment platform for defined benefit, k , b , , employee stock ownership, money purchase pension, and profit sharing retirement plans.

    Please contact Jackie Salmon for proposals and consulting. In addition to advising clients, we draft and advise on any needed plan and transaction documents. Our firm also advises on non-ESOP stock ownership and executive deferred compensation plans for ESOP companies, including stock option plans, phantom share plans, stock appreciate rights plans, and management incentive plans. The objectivity is supported by our fee-only business model. Oxford Financial Group, Ltd. The reach comes partly from our size, and partly from the long-term relationships we've established with top-tier money managers in traditional markets, as well as from alternative investment strategies such as hedge funds, private equity, real estate and natural resources.

    Our experienced and accredited analysts perform annual appraisals, consult with companies on ESOP matters and issue fairness opinions for ESOP transactions. Our approach is personable, comprehensive, and fully compliant. We are committed to your company's ESOP. Our experienced team works with customers as they plan for structural change and growth. We employ a high-touch banking experience that allows customers to focus on their business as it navigates through the cultural and financial changes brought on by transitioning from a private company to a minority or majority ESOP owned company.

    We have been involved with ESOPs since and provide valuation services to companies in various industries. We're here to provide the expertise you can trust with decades of experience and a commitment to getting it right the first time. As an employee-owned company we know that culture matters. Founded in we have perpetuated our leadership team through 4 generations by successfully providing the best experience for employees, customers, and owners. We are our clients' trusted partner, combining in-depth insight and expertise with a fully transparent fee model that allows us to deliver unbiased solutions that meet the unique needs of each of our clients.

    Our capabilities have been developed over decades of hands-on experience.