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Financial Services

retirement planning, key man insurance

Retirement Planning

In addition to providing Group Health and Welfare Benefits, we can provide an integrated approach to Retirement Planning and Executive Benefits through our strategic partnerships with the National Life Group and Equity Services, Inc. as well as, ING, The Bullfinch Group and the Commonwealth Financial Network. Many corporations are looking for ways to attract, retain and reward their key team members and executives. Our Executive Benefits Team can provide guidance and expertise in creating a customized plans to meet your long term objectives through the use of the following plans:

  • Key Person Life and Disability Coverage
  • Deferred Compensation Plans (401-(k), 403-(b) and 457 plans)
  • Defined Benefit Plans and Section 79
  • Executive Long Term Care Insurance
  • Endorsement Split Dollar Arrangements
  • Section 162 Bonus Plans

Business Continuation Plans

What happens when a business owner becomes disabled or passes away? HR Knowledge and our strategic partners can provide comprehensive solutions through:

  • Succession Planning
  • Buy-Sell Funding
  • Buy-Sell Disability Insurance

Supplemental Employee Benefits

To create parity within their benefits platform, more and more companies are providing supplemental insurance options to their executives to compliment the group programs. Our Group Benefit Practice is well versed in:

  • Employer Sponsored Supplemental Life Insurance
  • Employer Sponsored Supplemental Disability Insurance
  • Employer Sponsored Individual Long Term Care Insurance

Estate Planning

The purpose of estate planning is to ensure that the ongoing needs of the survivor(s) are met; to provide for immediate lump-sum cash needs and to minimize estate tax costs. Working closely with our strategic partners, we can assist with this planning that may include:

  • Personal Insurance Planning
  • Survivorship Insurance Planning

Client Testimonial: Regional Charter School

"HR Knowledge is our one-stop-shop for HR support, benefits and payroll administration. We’re delighted to have one source that meets all of our HR needs and that is always accessible. We rarely have to wait for a return call. They are head and shoulders above the rest."

Client Testimonial: Non-Profit

"The staff at HR Knowledge is top notch! They are professional, efficient, courteous and know the business inside and out. I do not have time to manage the HR part of our business.  I trust them completely to be sure that we are in compliance.  And the best part of their service is that when I call the office I am never put on hold and I do not have to listen to an endless list of menu choices before I get a real live person!"