Credit Union Advisors

Strengthen Your Credit Union’s Compensation  Strategies

As your partner, we prioritize your objectives, expertly balancing plan design with risk management while leading the industry in compliance and cost-effective funding.

Nurture Exceptional Leadership with Innovative Solutions

Customize and Design Benefit Plans 

Design target benefit plans for key employees.

Benefit Plan Funding

Manage and reduce the financial impact of employee benefits.

Plan Design and Financing Options

We offer SERP and non-qualified benefit plans that align with your credit union’s goals:

  • 457(f)
  • 457(f) with LINQS+
  • Collateral Assignment Split-Dollar / Loan Regime Split-Dollar
  • Endorsement Split-Dollar / Equity-Regime Split Dollar (Titanium)
  • 162 Bonus Plans

Optimize your credit union’s strategy with these pre-funding options:

  • Credit Union-Owned Life Insurance (CUOLI)
  • Group Variable Annuity
  • Direct Ownership of Securities
  • Mutual Funds and ETFs
  • Charitable Donation Accounts (CDAs)

We understand all regulatory influences…

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    409(a) Internal Revenue Code 

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    NCUA 701.19 and 721

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    Interagency Statement (OCC 2004-56)

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    Individual State Regulations

    Our Process

    Begin with the End in Mind

    Establish valuable benefits for your key employees while effortlessly navigating regulations and utilizing cost-effective financing solutions.

    Define the Target Benefit

    We guide you in defining a benefit that genuinely resonates with your key employees, ensuring it rewards them in a meaningful way, making it easier to keep top talent.

    Understand Your Financial Position

    We assess your financial standing to identify effective funding strategies for your desired benefits. Our extensive knowledge of financing options and regulations allows us to tailor the best solutions for you.

    Navigate Regulations and Constraints

    Our deep expertise in the industry helps you understand the regulations and constrints, to ensure your chosen benefits are compliant.

    Choosing the Most Effective Solution

    Our approach reveals the best financing options that match your goals, including innovative solutions that only Newcleus can offer.

    How Newcleus Supports Your Credit Union

    Maximizing Your Credit Union’s Earnings

    Partnering with Newcleus means access to tailored solutions and a range of products designed specifcially for the unique needs of credit unions.

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    Evaluate and Compare Products

    Review and compare different solutions to select the best fit for your needs.

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    Sizing the Transaction

    Determine the most appropriate investment path based on your credit union’s financial status, employees, structure, and objectives.

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    Design Ancillary Benefits

    If desired, design additional benefits, such as a Death Benefit Only (DBO) plan to enhance key employee benefits.

    Transform Your Benefits

    Connect with an expert credit union advisor to supercharge your credit union’s benefits, compensation, and financial strategies.

    Connect with a Newcleus Advisor