bank advisors

Newcleus brings together a highly specialized team of bank advisors dedicated to designing and launching robust financing strategies for balance sheet asset‑building. Let us guide your overall compensation and retainment plans for top‑tier executive wealth enhancement.

CONNECT WITH AN EXPERT

our approach is direct

Powerful — Succinct — Effective. We specialize in strategies that leverage tax‑favored assets with higher returns that build your balance sheet and fund benefit opportunities. At Newcleus, our industry‑leading innovation and unparalleled service set us apart in every way.

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Newcleus board members discussing compensation strategies.
Newcleus MINTS, our client-centric information portal.

Plan Strategy & Development

Plan Strategy & Development

Your vision distilled into an actionable plan that exceeds objectives.

  • Plan design focused on superior risk diversification
  • Full & complete plan implementation
  • Ongoing consultation available 24/7

Evaluate & Convert Existing Plans

Evaluate & Convert Existing Plans

Looking to improve your existing plan’s overall performance?

  • Comprehensive evaluation of plan results
  • Assessment of alternative opportunities
  • Balance sheet impact review

Compliance & Due Diligence

Compliance & Due Diligence

At Newcleus, we have deep knowledge based on real‑world experience.

  • Ongoing risk assessment and due diligence
  • Real‑time regulatory compliance review
  • Client support

MINTS for Customized, Secure Reporting

MINTS for Customized, Secure Reporting

MINTS, our proprietary client portal, provides up‑to‑the‑minute performance reporting and more.

  • Dynamic reporting on all plan‑specific product
  • Legal and regulatory documentation
  • News and notifications
Plan Strategy & Development

Plan Strategy & Development

Your vision distilled into an actionable plan that exceeds objectives.

  • Plan design focused on superior risk diversification
  • Full & complete plan implementation
  • Ongoing consultation available 24/7
Evaluate & Convert Existing Plans

Evaluate & Convert Existing Plans

Looking to improve your existing plan’s overall performance?

  • Comprehensive evaluation of plan results
  • Assessment of alternative opportunities
  • Balance sheet impact review
Compliance & Due Diligence

Compliance & Due Diligence

At Newcleus, we have deep knowledge based on real‑world experience.

  • Ongoing risk assessment and due diligence
  • Real‑time regulatory compliance review
  • Client support
MINTS for Customized, Secure Reporting

MINTS for Customized, Secure Reporting

MINTS, our proprietary client portal, provides up‑to‑the‑minute performance reporting and more.

  • Dynamic reporting on all plan‑specific product
  • Legal and regulatory documentation
  • News and notifications

BANK OWNED LIFE INSURANCE

HOW TO PLAN FOR YOUR FUTURE

At Newcleus, we bring a superior knowledge base, coupled with the intellectual capital, to advise your organization on alternative funding opportunities that reallocate capital to higher-yielding investments, like bank‑owned life insurance (BOLI).

Bringing double the benefit, BOLI provides tax‑advantaged income to the institution at rates higher than are normally realized through traditional investments, while also being available to enhance benefit options for the top‑tier executive talent.

Often misunderstood, BOLI, as a non‑qualified plan, is an effective tool that offsets the expenses associated with providing competitive executive benefits necessary in today’s aggressive job market.

Once the bank purchases life insurance on its key employees, BOLI premium payments are made by the bank, which owns the policy and is typically the beneficiary of all, or a portion of, the policy death benefits.

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ATTRACTING & PRESERVING TOP TALENT

DEFERRED COMPENSATION

At Newcleus, we understand that recruiting and retaining top talent is critical to ensuring your institution’s continuing success. Our highly specialized bank advisors team stands ready to partner with you on designing solutions for the long‑term health of your organization.

Because government regulation limits the funds your highest‑paid employees can contribute to their tax‑deferred retirement plans, deferred compensation provides an affordable, non‑qualified solution that allows your executives to supplement their retirement income.

With an executive’s deferred compensation dependent on the long‑term success of the bank, a mutually beneficial reliance is formed incentivizing a commitment until retirement.

Newcleus can partner with you to develop the most expeditious plan that meets your recruitment and retainment needs and will be there as support from inception through the life of the plan.

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At Newcleus, we understand that recruiting and retaining top talent is critical to ensuring your institution’s continuing success. Our highly specialized bank advisors team stands ready to partner with you on designing solutions for the long‑term health of your organization.