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Who We Serve

 CFG provides employee benefit consulting to small and middle market clients both regionally and across the country. Our team works with founders and executive management to customize employee benefit plans that are tailored to your company and your specific needs.

Your greatest asset is your employees. Our consulting process and service model aligned with a correctly designed employee benefit plan will help attract a talented workforce, drive employee retention and support employee wellness. 

We believe suitable employee benefit plans should be meaningful to both your company and your employees while also being nimble enough to evolve as your organization grows. 

What We Do:

 

Retirement Plans:

When sponsoring a corporate retirement plan, you have a fiduciary responsibility to your employees and face a variety of challenges with evaluating vendor, recordkeeper, and investment options as well as understanding compliance requirements and the changing regulatory environment. 

CFG understands the corporate retirement plan landscape and is dedicated to providing value to you in the following ways. 

  • Providing you an objective independent analysis and due diligence on a vendor, recordkeeper and investment options.

  • Consulting on a plan design, technology and pricing that aligns with your goals

  •  Providing education meetings, resources and tools to help your employees understand the importance of being retirement ready.

Executive Benefits:

Competition for top talent can be fierce. It is critical these employees feel rewarded, valued and are motivated to help you continue to grow and be successful. Implementing an executive benefit program that helps them obtain long-term financial stability is a powerful way to accomplish all of these. 

This is not a one size fits all solution. It is important to tailor the solution your company and those specific employees. We accomplish this a consultative process that can include some of the following solutions:

  • Executive Bonus Plan

  • Supplemental Executive Retirement Plans

  • Nonqualified Deferred Compensation

  • Supplemental Disability Insurance

  • Corporate Owned Life Insurance

 

Buy-Sell Planning:

As a business owner, you probably have an operating agreement. It is critical to your business and your family that you consider what will happen if you or your business partner dies or becomes disabled. In the event either occurred, a properly structured buy-sell agreement will outline what will happen. But it is also important to fund the buy sell with the appropriate amount of life insurance and disability insurance. This will provide the liquidity needed to meet the terms of the agreement, help your business remain sustainable and protect your family.

Keyman Insurance:

Your greatest asset is your employees. Many times the health of your business and continuation of day to day operations depends greatly on a core group of key management. It is important for you to consider what impact the death or disability of a key employee will have in those areas and ultimately on your bottom line. Structuring key man insurance with the appropriate amount of life insurance and disability insurance will provide the liquidity needed to help mitigate the business disruption and potential decreased business profitability.

Health Insurance:

  • Fully insured and self-funded plans
  • Health savings accounts
  • Flexible spending accounts
  • Health reimbursement accounts
  • Group dental 
  • Group vision

Ancillary Benefits:

  • Group short term disability insurance
  • Group long term disability insurance
  • Group and voluntary life insurance
  • Voluntary supplemental disability insurance
  • Voluntary critical illness insurance