An executive deferred compensation Plan can be a valuable supplement to a company’s 401k Plans.  Such Plans are very often referred to as non-qualified Plans, and are thus not subject to ERISA’s non-discrimination regulations.  EPIC Retirement Services Consulting can assist Plan Sponsors in designing and implementing a Plan to give you an edge in recruiting and retaining valuable executive leadership and offer key executives information and education that will help them understand and appreciate the value in participating in such a Plan in their strategy to build wealth and a tax-efficient way to supplement their retirement. 

EPIC offers customized asset management, communication and education services:

  • Seasoned assistance with Plan design and implementation.
Investment  Advisory Services
  • Seasoned assistance with Plan design and implementation.
  • 409(a) Compliance Assistance – review of your non-qualified Plan in relation to the requirements of IRS Section 409(a)
Communication and Education
  • Custom communication and education programs to reach employees.

With our 50 years of combined experience, EPIC’sfinancial professionals can help tailor Plans that will allow the company to reward selected executives and allow these selected highly compensated individuals the ability to:

  • Defer taxes;
  • Save additional monies for retirement over the 401(k) and Profit Sharing Plan limits
In addition, those invited to join the Plan, may enjoy benefit equalization, not subject to IRS limits, through company-matching contributions.


By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and conserve and control their distribution after your death according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals and many other factors determine your particular estate planning needs.

Upon request, EPIC Retirement Services Consulting can provide you with individual wealth management services including:
  • Integration of corporate benefits with individual estate planning objectives
  • Customized planning – exploring
    • Irrevocable Trusts
    • Leveraged Gifting
    • Discounted Valuation
    • Charitable Planning Techniques
    • Durable Power of Attorney
    • Advanced Medical Directive
    • Life Insurance
  • Estate Planning – Planning your estate requires thoughtful consideration of a number of key issues.
    • Selection of Beneficiaries of the estate, Executor of your Will, Guardians of your children
    • Strategies to avoid probate costs
    • Arrangement to save death taxes


There are a variety of reasons for employers to consider Executive Life Insurance.

1. As an employer, offering Executive Life Insurance may help meet goals of attracting, rewarding and retaining top executive talent.
2. As a business leader, you may compensate the business for financial losses that would arise from the death or extended incapacity of an important member of the business.

To meet the objectives of the business, there are a variety of products available, such as:

  • Key Person Insurance
    This is a generally a standard life insurance policy that is used for business succession or business protection purposes. These policies are usually owned by the business and the aim is to compensate the business for losses incurred with the loss of a key income generator and facilitate business continuity.

  • Corporate Owned Life Insurance (COLI)
    This is life insurance on employees’ lives that is owned by the employer with benefits payable either to the employer or directly to the employees’ families.

  • Term Life Insurance/Whole Life Insurance/Universal Life
    These represent choices for individual policies that generally benefit family members or others named as beneficiaries.