A: The objective for a “pure” CBP plan is to match the interest crediting rate (ICR) that is determined in the document established and approved by the IRS. In practice, most CBP plans also have some degree of exposure to longer-duration deferred liabilities similar to those of traditional DB plans. We specialize in making sure the plan is in compliance with DOL regulations as it pertains to investment risk and selection.

 

Insurability and preservation of capital is a key factor in selection of investments.

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A: FDIC insured structured investments are a primary tool, along with specially created portfolios deemed for Income with Capital Preservation. 

A: You can click here to read a Wall Street Journal article about them.

A: Click here to see a sample illustration, or let us run one for you at no cost.