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 the compensation and retention plan process for your key leadership team.
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.
Plan Strategy and Development
Plan Strategy and 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 and Convert Existing Plans
Evaluate and 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 and Due Diligence
Compliance and 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 and 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 and 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 and 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, 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 talent.
Often misunderstood, BOLI is an effective tool that offsets the expenses associated with providing competitive 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.
supplemental
employee retention plan+
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RECRUIT
SERP+ plans let a critical recruit know that you are here now to help with their short and mid-term financial future. Compensation has a new broader meaning to the young leaders of the future. They want to know that you are invested in them – their career, their family and their lifestyle now.
RETAIN
Retirement isn’t the only significant life event that affects financial planning and compensation. Consider the enormous cost of recruiting and hiring, and think about succession. Your best employees might already be on the team. SERP+ plans take a fresh look at compensation and unlocks new ways of incentivizing and rewarding your key talent.
REWARD
SERP+ identifies significant life events that capture the most meaningful stages of an employee’s life. Assisting with continuing education funds for children; establishing a mortgage payoff plan; or providing funds for post-graduate education. A culture of caring breeds loyalty and longevity with key talent so they will stay on board and grow with your organization.
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 to supplement 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 retention needs and will be there as support from inception through the life of the plan.
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Newcleus Named Nation’s Top Defined Contribution Advisor Team
Newcleus Named Nation’s Top Defined Contribution Advisor Team ARLINGTON, VA — Newcleus has been added to the National Association […]
MassMutual Releases New GI Product, Palladium Horizon
MassMutual Releases New GI Product, Palladium Horizon MassMutual is the premier bank-owned and company-owned life insurance company. They are one […]
Joe Gastaldi Joins Newcleus Retirement Advisors as Managing Director, Retirement Plans
Joe Gastaldi Joins Newcleus Retirement Advisors as Managing Director, Retirement Plans Newtown, PA — A certified fiduciary with over 36 […]
