A More Responsible Approach

Strategies that promote the long-term financial sustainability of organizations through equitable executive benefit planning are vitally important in today’s challenging environment. The CAP-Ex Group advocates a more responsible approach which returns all funds associated with the plan, plus interest, back to the organization. By achieving the objectives of growing capital and retaining talent, the CAP-Ex program is an attractive alternative to traditional options and can be implemented in addition to existing retirement plans, or as a replacement plan.

Grow Capital

    • Improve stewardship of financial resources
    • Transform benefit expenses into assets
    • Return funds to the employer plus interest

Retain Talent

    • Implement a flexible and portable structure
    • Use vesting provisions to improve retention
    • Create potential for greater income levels at retirement

Transcend Typical

The sole function of typical retention planning is to recruit, retain, and reward talent. In today's competitive market where the cost of replacing an executive may be up to 10 times the annual compensation, the employer generally considers the expense associated with retention planning as necessary when, in reality, there is a more effective alternative.

Corporate-style executive benefit plans fail to appreciate the unique purpose of non-profit organizations to serve their communities, rather than shareholders. Specifically, these plans inefficiently use funds and result in permanent loss of assets. The commitment to community service provides unique advantages that have not been applied in retention planning strategy by the non-profit sector... until now.

Transform Expenses into Assets

By responding to the unique purpose and advantages of the non-profit sector, the emerging innovation from The CAP-Ex Group overcomes the shortcomings of traditional retention plans. Instead of permanently losing funds associated with the benefit expense, the program is designed to return all funds plus interest to the employer. By pointing the associated economic consequences to the advantaged non-profit organization, the design is more efficient and creates the potential for the employee to achieve greater levels of retirement income.