At eBIS, we value our clients, doing our utmost to serve them, and pride ourselves on investing all of our talents and energy in their success. We build trusted partnerships with clients that we want to last over long periods of time. We don’t shy away from a challenge; whatever is needed, we intend on supporting you and delivering sustainable solutions. Below are profiles of the types of clients we support in each line of business. If you fit one of these profiles or have questions about your specific circumstances, please contact us. We are here to give you the information you need to make an informed decision. Our initial consultation is always free of cost, obligation, and pressure.
RETIREMENT PLAN FIDUCIARY SERVICES
- A corporate retirement plan sponsor requiring fiduciary management of portfolio construction, plan administration and regulatory adherence.
- A non-profit attempting to increase retirement plan utilization through improved plan menu design, matching contribution schedule, employee outreach and participant education.
- A government entity trying to manage a transition out of a defined benefit plan to a defined contribution plan.
- A retirement plan sponsor requesting an independent review of the current plan menu of investments for some or all of the following elements: risk-adjusted returns, asset class comprehensiveness, retirement-centric investing, index construction, concentration risk, fund management, and social and ethical investing.
- A retirement plan sponsor in need of a comprehensive fee benchmarking study.
- A retirement plan sponsor or compliance officer under internal or regulatory audit in need of counsel on adherence to the latest industry best practices, SEC and DOL rulings, and litigation.
- A Human Resources executive looking for guidance on how to improve his/her retirement plan to attract and retain highly valued employees.
- A Human Resources executive attempting to devise some combination of a stock option, non-qualified retirement, deferred compensation, and profit sharing plan strategy to remunerate highly compensated (Top Hat) employees.
- A CFO or CEO requesting a comprehesive study of retirement readiness of the employee base, with recommendations on how to restructure compensation and savings incentives in support of this endeavor.
- An individual or couple trying to formulate a savings and investment plan for various life goals: buying a home or car, taking a vacation, paying for a wedding, etc.
- An individual investor trying to construct a savings and investment strategy for retirement readiness.
- A professional getting ready for retirement or a recent retiree in need of advice on how to create a stream of income for expenses in retirement.
- A couple who is contemplating the various social security claiming strategies, trying to figure out which strategy suits them best given their work history, length of marriage, and financial circumstances.
- An investor resident in a high tax state (California, New York, etc.) trying to structure his/her investments for the greatest tax efficiency. How should one’s marginal tax rate at the federal, state, and municipal level affect investment decision making?
- A corporate executive trying to formulate a plan for income recognition across stock options, restricted stock, deferred compensation, executive bonus, group carve-outs, non-qualified retirement plans, etc.
- A small business owner who is trying to determine the most cost-effective and tax efficient way to save for retirement: SIMPLE IRA, SEP IRA, Self-Employed 401(k), etc.
- An individual who wants advice on how best to manage existing and future IRA assets. When does it make sense to convert or contribute to a Roth IRA and how do required minimum distributions (RMDs) affect retirement cash flow planning?
- Parents in need of a savings and invesment strategy to pay for the primary/secondary school, college and post-graduate education of their child/children.
- A family who finds themselves caring for a special needs child or an elderly parent without long term care insurance, and needs a savings and investment plan to account for expenses associated with their care.
- A recent divorcee who requires a plan to manage expenses, now shouldered as an individual, and create a cash flow stream to support his/her lifestyle.
- An individual or couple who needs a comprehensive strategy for all of life’s insurance needs: life, disability, long-term-care, longevity, income annuity, etc.
- A couple in their golden years in need of advice to invest and transfer their wealth tax-efficiently to heirs and charities of their choice. How do they navigate the trust alphabet soup of GRAT, GRUT, CRT, etc.?
- A successful professional who has accumulated signficant assets and wants an exceptional level of service, with direct points of contact for discussions of market events, portfolio risk, and cash flow needs.
- A serial entrepreneur who has exited a business with a cash or stock buy-out and has a pool of capital in need of management.
- A long-time investor who is sick of the brokerage industry as commission-based “wealth destroyers” and wants a true investment fiduciary, acting in his/her best interests, to manage his/her wealth.
- A beneficiary who has just inherited an estate and needs financial, investment, and tax counseling on how to manage it.
- A recent divorcee who received a sum of money in a divorce settlement and needs it invested and structured to meet ongoing cash flow and lifestyle requirements.
- A victim of at-fault personal injury who received cash as part of a court verdict, structured settlement, or insurance settlement and requires investment management tailored to the unique circumstances of disability, e.g., Supplemental Needs Trusts.
- A resident in a high tax state, such as California or New York, searching for a solution to minimize taxable income and gains from an investment portfolio.
- A long-time employee of a business who has accumulated a concentrated position, through stock options, grants, etc. in company stock and needs a strategy to diversify this concentration risk in a tax-efficient manner.
- A long-time employee of a business who has elected a lump-sum distribution from a defined benefit plan and needs guidance on how to use the funds to meet expenses throughout retirement.
- A long-time employee of a business who has accumulated signficiant 401(k) savings, has just resigned/retired, and needs guidance on whether/how to roll over and invest these funds.
- A millenial or mid-career saver who wants institutional-quality asset allocation and investment implementation, reported through a streamlined, on-demand customer portal.
- An endowment or foundation with a need for comprehensive portfolio management, matching portfolio strategy to projected liquidity needs and captial infusions.
- A non-profit enterprise with a working captial budget and cash reserve that requires ongoing investment management.
PORTFOLIO RISK MANAGEMENT
- An asset manager looking for better analysis of portfolio concentration, correlation, diversification, or standard deviation.
- A government regulator in need of a central analytics platform for adherence monitoring or market analysis.
- An asset manager or diversified bank seeking risk-adjusted return analytics, with insight on transfer pricing, activity based costing, and economic capital allocation.
- A Tier 1 internationally active bank trying to compute market, liquidity, credit or operational risk for Basel III adherence.
- A regional bank trying to implement best practices for internal risk quanitification and profitability reporting.