Deferred Compensation News and Updates

Deferred Compensation News brings you the latest information and insights on 409A nonqualified deferred compensation; institutional COLI, BOLI, and ICOLI; tax-and cost-efficient non-COLI funding strategies; low-cost tax managed non-COLI asset/liability designs; executive benefits benchmarking; succession planning and timely issues of executive pay and benefits. Click here to read all recent articles related to the impact of the COVID-19 Pandemic.
Featured image for “Fulcrum Partners Honors Roy Imai, Hawaii Business Leader”
April 27, 2021

Fulcrum Partners Honors Roy Imai, Hawaii Business Leader

Chris Nyland

Fulcrum Partners, a OneDigital Company, honors Roy Imai for his fifty-seven years of service to the Hawaii business community. Roy has been a Managing Director with Fulcrum Partners since 2012 and a cornerstone of the Honolulu business community since 1968.
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August 08, 2018

Fulcrum Partners Helps Organizations Compete for and Retain Top Talent

Chris Nyland

PONTE VEDRA BEACH, FL — (Aug 8, 2018) With the objective of assisting executives and organizations in accurately evaluating compensation plans, Fulcrum Partners has released the short, informative video, “Is Your Pay Structured for Lifetime Optimization?” The 30-second clip previews the benefits benchmarking data and Retirement Income Replacement Ratio (RIRR) charts that Fulcrum Partners customizes for companies and top-tier executives. “For compensation committees and Human Resource executives to accurately assess how an executive is being rewarded,” said Fulcrum Partners Managing Director Chris Nyland, “they have to see how compensation is distributed, how it is taxed and if it is optimized to best benefit the executive over a lifetime.” Each peer group chart that Fulcrum Partners produces includes real names and hard data from the executive’s identified comparator group. By providing comparison charts that show how an executive’s benefits stack up against the benefits of his or her peers, Fulcrum Partners equips organizations to compete for, and retain, top talent and key employees. Fulcrum Partners makes its unique benchmarking comparison tables easily available to executives and organizations. “In many cases,” said Steve Broadbent, a Fulcrum Partners managing director, “we have already created the PURL, which stands for Personal URL, that presents
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Featured image for “Fulcrum Partners Releases White Paper on Pre-Tax Income Deferral”
April 19, 2018

Fulcrum Partners Releases White Paper on Pre-Tax Income Deferral

Chris Nyland

Important Insights on Pre-Tax Income Deferral PONTE VEDRA BEACH, FL — (April 19, 2018) Five years have passed since the executive benefits advisors at Fulcrum Partners LLC released Advantages to Pre-Tax Deferral of Income in an Uncertain Tax Environment, an in-depth report on the effectiveness of deferring compensation until retirement for the purpose of accumulating wealth and reducing taxes. While much has changed in the U.S. tax code, and on the national and global political and economic fronts, uncertainties of the tax environment remain. Fulcrum Partners Managing Directors Steve Broadbent and Chris Nyland have revisited the topic and are publishing a revised study that reflects today’s economic and tax considerations. The company is making the report available to the public as a downloadable PDF. As Steve Broadbent, Fulcrum Partners Atlanta, explained, “It’s mid-April, and taxes and strategies to defer taxes are fresh in everyone’s mind right now. Many working Americans have wondered whether the practice of deferring compensation is still sound, in view of changes to the tax code and the economy. Fulcrum Partners felt it was important to provide our marketplace with insights to help tax payers evaluate the practice of deferred compensation as part of long-term financial planning.
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Featured image for “Fulcrum Partners: Delivering Eye-Opening Executive Benefits Data in an Atypical Campaign”
February 13, 2018

Fulcrum Partners: Delivering Eye-Opening Executive Benefits Data in an Atypical Campaign

Chris Nyland

FOR IMMEDIATE RELEASE  PONTE VEDRA BEACH, FL — (February 13, 2018) Fulcrum Partners executive benefits advisory is shaking up top level executives across the country, delivering eye-opening facts about each executive’s benefit and retirement plan. As part of an engagement strategy that is both disruptive and enlightening, many c-suite executives are receiving information packages along with a communication campaign recommending they visit a personalize webpage, their PURL. Each unique personal webpage features the benefit plan data of the target executive compared to that of other individuals in their peer group. The charts identify people by name and are built on hard numbers, based on the most current information available. “As soon as executives see their personal benefits charted against their peers’ data,” said Tom Chisholm, Fulcrum Partners Chicago, “they immediately recognize the disparities. They see how the benefits plan that looks so generous now, may not, over time, be the best option for reducing their tax load and maximizing their reward.” Andy Hart of Fulcrum Partners Washington D.C., is part of the team that spearheaded and launched this innovative engagement plan. Andy explained, “Our contact list includes some 7,000 top-level executives in publicly owned US companies. We are currently reaching
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December 01, 2017

Fulcrum Partners Honors Leadership and Advocacy in Charleston, SC

Chris Nyland

Sharing our News as We Honor Christopher Nyland, Fulcrum Partners Charleston FOR IMMEDIATE RELEASE PONTE VEDRA BEACH, FL — (November 30, 2017) As part of its 10-year anniversary celebration, Fulcrum Partners LLC is honoring the leadership team that has helped the company grow to more than $6B in assets under management. Founded in Ponte Vedra Beach and Orlando, Florida, the firm now has 13 nationwide offices, including Fulcrum Partners Charleston, South Carolina, where Christopher H. Nyland is the managing director. Chris Nyland, who has more than 30 years of in-depth experience in executive benefits, joined Fulcrum Partners after spending 9 years with Clark Consulting, and 6 years as an Executive Vice President with Schoenke & Associates in Washington DC. He holds a Series 6 and Series 63 securities registration and is a graduate of Radford University. As an avid student of U.S. government, Chris views today’s evolving political and economic landscape with both interest and concern. Describing himself as “a patriot and a politics geek,” with a manageable addiction to C-SPAN, Chris explained, “At Fulcrum Partners, we help clients prepare and position themselves and their companies for a secure financial future. Of course, we are closely following the details of
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Featured image for “Jonathan Kearn Joins Fulcrum Partners”
October 13, 2016

Jonathan Kearn Joins Fulcrum Partners

Chris Nyland

Fulcrum Partners Executive Benefits Expands Orlando Team Ponte Vedra Beach, FL (October 13, 2016) With the announcement of the addition of financial consultant, Jonathan Kearn, Fulcrum Partners LLC, continues its aggressive expansion as one of the leading and largest executive benefits consultancies in the United States. Kearn, who will join the Fulcrum Partners Orlando office, is the fifth new financial professional to become part of the Fulcrum Partners team this year. Scott Cahill, a company founder and the managing director of Fulcrum Partners Orlando says, “The Fulcrum Partners strategic growth plan has resulted in significant expansion in our Orlando, Chicago, and Los Angeles offices over the past eight months. We’ve also seen steady growth at our nine other nationwide locations. Jon Kearn, with twelve years of private practice experience providing effective and efficient financial solutions, exemplifies the type of young talent Fulcrum Partners is attracting as an executive benefits consultancy that is both highly knowledgeable and disruptively creative.” Jonathan Kearn, formerly with New York Life, grew up in his family’s success-driven business, Kearn and Associates. He is a University of Florida Honors Program graduate, a graduate of the NYLIC University Insurance Program, and holds a Series 6 Securities license and
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Featured image for “Happy Holidays from Fulcrum Partners”
December 22, 2014

Happy Holidays from Fulcrum Partners

Chris Nyland

Merry Christmas, Happy Hanukkah,  and Happy Holidays from all of us at Fulcrum Partners! Steve Broadbent Atlanta, Ga Tom Chisholm Chicago, Il Christopher H. Nyland Charleston, Sc David H. Fisher Columbus, Oh Kristine Kopsiaftis Delray Beach, Fl Roy Imai Honolulu, Hi Gus Comiskey, Jr. Houston, Tx Stephen M. Kaufman Houston, Tx Phillip L. Currie, Jr. Los Angeles, Ca Scott Cahill Orlando, Fl Bruce Brownell Ponte Vedra Beach, Fl Joseph Arthur Thompson  Ponte Vedra Beach, Fl Craig E. Cayford Portland, Or Andrew B. Hart Washington, Dc
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May 01, 2014

Advantages to Pre-Tax Deferral of Income in an Uncertain Tax Environment

Chris Nyland

Did You Get Hammered at Tax Time? Do You Need a New Strategy for Pre-Tax Deferral? Released this month in the April issue of  The Exchange for People, a Human Resources eMagazine, is an article by Chris Nyland and Steve Broadbent, both of Fulcrum Partners LLC.  This article, Advantages to Pre-Tax Deferral of Income in an Uncertain Tax Environment, looks at some of the ways current thinking is being challenged on the topic of income deferral. “Employees who once routinely deferred compensation are now rethinking those habits as they consider updates to their financial plans. Among the concerns is whether it might be better to take income today because of the uncertainty of tax increases in the future. The uncertainty was highlighted in the 2012 “fiscal cliff” negotiations in which the top Federal tax rates were increased and a number of “revenue enhancements” were added, which are nothing more than new taxes under the proverbial sheep’s clothing. This article shows how you should consider recent and future tax rate changes and investment returns when analyzing whether to participate in your company’s nonqualified deferred compensation plan (DCP).”
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May 02, 2013

Fulcrum Partners Releases Report on Deferred Income and Higher Taxes

Chris Nyland

PONTE VEDRA BEACH, FL– (May 2, 2013) – Executive benefits consultancy Fulcrum Partners LLC announces the release of the white paper: “Advantages to Pre-Tax Deferral of Income in an Uncertain Tax Environment.” Authored by Steve Broadbent (Fulcrum Partners LLC, Atlanta, GA) and Chris Nyland (Fulcrum Partners LLC, Charleston, SC), the report takes an analytic look at the common practice of deferring compensation and what that really means financially to the individual given today’s unpredictable tax environment. Presenting actual case studies, the report shows how to consider recent and future tax rate changes and investment returns when analyzing whether to participate in your employer’s nonqualified deferred compensation plan (DCP). Steve Broadbent explains, “We continue to hear concerns from deferred compensation plan participants about the potential impact of higher taxes in the future. The objective of this analysis is to demonstrate that the pre-tax deferral of income continues to provide greater results as compared to after-tax investing if taxes continue to rise in the future.” Chris Nyland adds, “The economy is beginning to recover, albeit a limited recovery. As this happens, new optimism arises in how DCP participants feel about their employers and their individual financial plans.” The full report is available from Fulcrum
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