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  • Home
  • Executive Benefits
    • Supplemental Executive Retirement Plans – SERP
    • Split Dollar Loans
    • Deferral Plans
    • Welfare Plans
  • Revenue Strategies
    • Bank/Business Owned Life Insurance – BOLI
    • Corporate Owned Life Insurance – COLI
    • Insurance Company Owned Life Insurance
    • Managed Accounts
    • Guaranteed Income Contracts
    • Fee Income Strategies
  • Asset Protection
    • Estate Planning
    • Business Succession Planning
    • Key Person Planning
  • About
    • R. Scott Richardson, JD
    • Brenda R. Haag
    • Bruce F. Barge
    • Chris A. Richardson
    • Debra Hardimon
    • Fannie Mae Pantaleon
    • Jeff Prescher
    • Joe Tripalin
    • Patrick J. Costello
    • Philip Aderton >
      • 2019 CBAI IZALE Sponsored Golf Outing
  • Resources
    • Blog
    • Events >
      • History – Calendars by Year >
        • 2019 Client Conference
        • 2017 Client Conference
        • 2015 Client Conference
    • Privacy Policy & Website Privacy Statement
    • Video Education
  • Contact
IZALE Financial Group

Proud Cues Supplier Member

Boost Earnings. Recapture Expenses. Achieve Goals.
The Experts at IZALE, show Credit Unions how!
As many credit unions continue to revise budgets for 2020 to reflect drops in income that could possibly stretch into 2021, one target for budget tightening may be compensation and benefits, as they can be one of the larger expenses. IZALE has worked with clients to increase earnings and reduce expenses over the past few months.

EXPERTS FOR YOU

IZALE will evaluate existing or potential benefit plans and their forecast performance and P&L impact. We will review the pros and cons of each option so you can objectively determine which one is best for you. Our expertise will enable you to keep a focus on both your bottom line and taking care of people. Read on for examples of how IZALE has recently helped clients address earnings, expenses and valuing their people.

BOOST EARNINGS  

Client A used Business Owned Life Insurance (BOLI) for several years to offset employee benefit costs. With deposits up, loan demand tempered, and traditional yields down significantly, they allocated additional money to BOLI and immediately boosted earnings by over $140,000.

RECAPTURE EXPENSES

Client B had a 457(f) for several executives. Together, we evaluated the merits of continuing that plan vs. using a split-dollar loan structure, deciding the latter met their objectives. The client recaptured more than $5 million of expense while offering more net cash flow to executives.

ACHIEVE GOALS

Client C wanted to retain senior executives. After quantifying the benefit, the board and CEO, evaluated 457(f), split-dollar loan, and Restricted Executive Bonus Arrangements (or REBA), and decided that a combination 457(f) + REBA would achieve their goal.
For Details on BOLI
For Details on Split Dollar Loans

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​Effective June 9, 2017, all individuals who provide advice to retirement plans, including Individual Retirement Accounts (IRAs), must abide by the fiduciary standard.  What does the fiduciary standard mean?  This means that your advisor must put your interests first before their own or that of the firm, make prudent recommendations, charge reasonable compensation and make no misrepresentations to you regarding recommended investments.  The recommendations made by your advisor must be based upon your specific investment needs and objectives.  The fiduciary standard is applicable to any recommendations that your advisor makes to you, the client, for your retirement account.
IZALE Website Privacy Policy
Please note the firm does have policies and procedures in place to monitor this level of fiduciary responsibility for our clients.
IZALE Financial Group does insurance business in California as IZALE LLC Insurance Agency
This site is published for residents of the United States only. Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all of services referenced on this site are available in every state and through every advisor listed. For additional information, please contact Scott Richardson at 855-492-5334 .