Karam Financial Group is an independent financial services organization focused on offering retirement plan strategies designed to help plan sponsors maximize efficiency, maintain plan compliance, and address fiduciary liability exposure.

Many employers today are struggling to contain the cost of their benefit programs. Employers are finding that although their benefits do not directly impact the value of their products or services, they are a large part of their pricing. Competition requires these costs be minimized.

Increasingly, corporations are looking for ways to attract, retain and reward their key executives. Our firm provides guidance in creating a customized plan to address your needs through the use of programs such as: Deferred Compensation Plans, etc.

For over three decades, banks have implemented bank owned life insurance (BOLI) portfolios as regulators have provided clear guidance on the use of this asset class by banking organizations. During the past decade, utilization rates among banks have soared so that today a majority of banking organizations have BOLI on their balance sheets.