HMH has planned, designed, and implemented specialized applications of life insurance to enhance earnings, hedge risk, manage tax risk, and reduce the cost of employee benefits: Bank and insurer-owned life insurance

• General employee benefit financing
• Rabbi Trusts for nonqualified deferred compensation plans
• VEBAs for retiree health care benefits
• VEBAs for retiree group term life insurance benefits in excess of $50,000
• High net worth estate liquidity
• High net worth income, gift, and estate tax planning

HMH specializes in the following BOLI consulting services:

• Forensic audits, providing periodic due diligence and status reports for senior management and Boards of Directors
• Continuing investment options oversight, working with the client's preferred investment consultant
• Driving necessary change with respect to investment options while conforming to the mandates of the control rule
• Evaluating product performance for consistency with insurer representations and current market standards
• Navigating the conflicts between ERISA and state insurance laws
• Implementing tax planning strategies for estate conservation and liquidity
• Developing communications strategies and deliverables in partnership with HMH Communications to support your employee benefits and funding-related programs
• Providing support service to the life settlement community

HMH does not accept transaction-based compensation (commissions, etc.) and avoids even the appearance of any conflicts of interest that could call into question the credibility of HMH findings and recommendations.

For further information, call Charles Morgan, Principal, HMH Consulting at 609-636-0544.