Executive Benefits Summary

Offer your executives a better understanding of all benefits you provide, so they can take full advantage of them. We provide a summary of all available executive benefits, along with the various options and restrictions of each plan so they have a full understanding of the basis for our recommendations.

Tax Optimization

Help your executives understand the substantial tax implications of their benefits elections and divestiture places. Your dedicated TMG Executive Advisory Team will develop a comprehensive tax and financial plan for your executives in order to project, advise, implement and maintain compliance of our tax advice.

FINANCIAL PLANNING:
NOW AND THROUGH RETIREMENT

TMG will help identify short- and long-term needs so we can build out a comprehensive financial plan. We’ll then stress test their financial situation using a Monte Carlo Simulation and bad timing scenarios, ensuring they have the assets and income necessary to accomplish all of their goals. With this framework as a guide, our CPAs and attorneys can develop tax and estate planning analysis.

TAX PREPARATION

The Mather Group takes on the liability and execution of tax strategies to limit your executives tax liability. Our tax services are real—right down to preparing and filing taxes for them.

PHILANTHROPIC Planning

Incorporating philanthropic efforts into your executives comprehensive wealth management plan is a must. TMG assists with designing charitable giving plans that leverage charitable remainder trusts, charitable lead trusts, foundations and giving funds. These strategies can help reduce capital gains, income and estate tax—all while maximizing philanthropic impact.

Consolidated Investment Reporting

TMG will help consolidate assets to provide composite reporting across all investment accounts and retirement benefit plans so they have full transparency into their overall allocation, performance and tax exposure.

Tax Synchronized Portfolio^®

Leveraging state-of-the-art technology, The Mather Group’s Tax Synchronized Portfolio^® (TSP) captures a holistic view of your investments to drive greater after-tax results. Their recommended target asset allocation will be unified across all investment accounts, including their 401(k), deferred compensation plans, employer stock plans, etc., and be continuously monitored and adjusted as their financial goals and cash flow needs evolve over time. The Mather Group also utilizes advanced technology to execute a unique and robust rebalancing strategy that combines the best features of calendar and threshold methods—all while coordinating across other interconnected services, such as tax loss harvesting and TSP.

Risk Management

Equity compensation offers the opportunity for substantial wealth creation, however, it’s not uncommon for executives to forfeit 40 to 80 percent in income and estate taxes. Our in-house team of CPAs, tax attorneys and estate planning attorneys develop detailed income and estate tax optimization strategies to mitigate the corrosive effects of these taxes. Our in-house attorneys work directly with your corporate legal department to manage SEC compliance while hedging, monetizing, diversifying, or gifting a concentrated position.

Stock Options: CPAs analyze potential tax and AMT (Alternative Minimum Tax) consequences of the timing of their exercises, working closely with our investment committee to develop a formal exercise strategy given tax breakeven prices.

Restricted Stock Plans: Our Executive Advisory Team analyzes tax rates, stock concentration risk and risk tolerance to determine if an 83(b) election is in their best interest.

Our CPAs will file the appropriate notification with the IRS and maintain all documentation to ensure proper tax treatment.

Concentrated Stock Positions: Our Investment Committee acts as a fiduciary and uses our independent and disciplined investment strategy to take emotion out of maximizing their wealth.

Our traders develop a divestiture plan with various dollar cost averaging and option strategies to limit downside risk while maximizing return potential. They work congruently with in-house attorneys and your corporation’s legal department to facilitate a 10b5-1 plan that ensures our established divestiture plan remains compliant. We may also recommend gifting strategies such as donor-advised funds if they fit your goals and objectives.

INSURANCE ANALYSIS

A sound financial plan is not complete without a foundation of life, disability, property and casualty as well as liability insurance. We will provide initial plus ongoing analysis for you to provide to your insurance professional to purchase recommended policies.

Estate Planning Analysis

Developing an estate plan requires a deep understanding of your executives wishes, as well as comprehensive knowledge of the financial situation and the executive benefits being offered. It’s important to integrate income tax planning with estate tax planning when making financial decisions, and being mindful that saving on income tax throughout retirement might cost their beneficiaries in the future. That’s why our in-house estate planning attorneys work closely with our CPAs to build and implement an estate plan that effectively balances, minimizing their overall tax liability and maximizing your legacy.