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.
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 & 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
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
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
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‑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.
lifetime income
non-qualified solution
learn more 
LEVERAGING THE FUTURE
With longevity expected to increase in the coming decades, traditional, period certain SERPS have become antiquated. LINQS+ delivers executive, director, and shareholder benefits for a lifetime.
VALUE + SAVINGS
With SERP an integral part of executive benefits within the banking industry, our patent‑pending proprietary solution extends executive benefits while reducing traditional expenses by up to 50%.
FLEXIBILITY TO EXPAND
LINQS+ can be integrated with existing plans, providing enhanced LIFETIME benefits to the top‑tier participants, and cost savings to the bank and its shareholders.
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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Get to Know Terry O’Prey, Managing Director of Non-Qualified Services
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Managing Directors Fabrizio D’Uva and Charlie Abboud join Newcleus with Account Executive Amanda Hoffman
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