An executive bonus plan is a supplemental compensation strategy designed to reward and retain key executives by providing additional financial incentives beyond base salary. These plans often involve the employer paying premiums on a life insurance policy owned by the executive. The policy can offer both living benefits—such as supplemental retirement income—and death benefits for the executive’s beneficiaries. Executive bonus strategies serve as an effective tool to attract, motivate, and retain top-tier talent while offering flexibility and tax advantages for both the business and the employee. At ARM, we partner with organizations to develop and implement executive bonus plans that align with their talent retention objectives and provide meaningful benefits to key leaders.

Deferred compensation strategies can provide individuals with a powerful tool to optimize their income timing and tax planning. These non-qualified arrangements allow participants to defer a portion of their current earnings to a future date, often retirement. At ARM, we work closely with clients and their trusted fiduciaries to assist in the design of personalized deferred compensation strategies that align with their financial goals, optimize tax efficiency, and provide greater control over their long-term retirement planning.

Life insurance can serve as an effective tool to supplement retirement income by providing access to accumulated cash value through withdrawals or policy loans. Permanent life insurance products, such as whole life and universal life policies, offer tax-deferred growth of cash values and the potential for tax-free income when managed appropriately. Utilizing life insurance in retirement planning can provide significant tax advantages, enhance financial flexibility, and serve as a valuable component of a diversified retirement income strategy. At ARM, we help clients integrate life insurance solutions into their retirement planning to maximize tax benefits, improve income stability, and create a more resilient financial future.