Independent advice and flexible solutions

Our experienced team provides independent advice and analytical services to help affluent individuals and executive leaders address protection needs and provide strategies that benefit the individual, the company and the estate of those we work with.

We help our clients recruit, retain, reward and retire key executives through the use of flexible and individually designed executive benefit solutions, including these key programs:

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Business Planning

  • Buy/sell agreement funding
  • Executive supplemental disability insurance
  • Key person insurance planning & analysis
  • Nonqualified deferred compensation (NQDC) plan
  • Policy review & stress testing
  • Restricted executive bonus arrangements (REBAs)
  • Split dollar plan
  • Supplemental executive retirement plan (SERP)

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Individual Planning

  • 401(k) Restoration Plan to address the issue of contribution limitations for highly compensated employees (HCEs)
  • Estate tax planning advisory
  • Life insurance planning & portfolio design
  • Long term care (LTC) insurance (Stand alone, Hybrid & Permanent funding strategies)
  • Long term disability/Income protection planning
  • Policy review & stress testing
  • Private placement life insurance & annuities
  • Wealth transfer & estate equalization strategies

This information is provided solely for educational purposes and is not to be construed as investment, legal or tax advice. Prior to acting on this information, we recommend that you seek independent advice specific to your situation from a qualified investment/legal/tax professional. | 1023.S0117.0004

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer and Investment Advisor, Member Chernoff Diamond & Co is a division of USI and is independently owned and operated. Check the background of this firm and/or investment professional FINRA’s BrokerCheck.

USI Securities, Inc. and USI Advisors, Inc., affiliates of USI Consulting Group, are not engaged in any business activity of the Private Client and Executive Benefits Group.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to

CA Insurance License #0D15134
AR Insurance License #1995190
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