Employee Benefits Prefunding (EBPF)

Total Benefits Prefunding

Executive Benefits Prefunding

Administering employee benefits is essential to attracting and retaining a great team.

Yet the cost for benefits like health and life insurance, retirement and pension plans, and disability insurance plans is rising at double the rate of inflation.

Credit unions possess a powerful tool to manage these costs and improve their balance sheet: pre-funding employee benefits as established in NCUA regulations. With an Employee Benefits Pre-Funding plan, you can gain access to investments which are otherwise impermissible and can offer substantial benefits in terms of flexibility and transparency. ALM First Financial Advisors will help your institution establish an investment portfolio to offset future expenses tied to employee benefit plan obligations.

What does ALM First Financial Advisors provide?

Accurately pre-funding your employee benefits begins with a thorough assessment of your current annual expense liability. Moreover, successful portfolio management recognizes that the environment is ever-changing, requiring a constant process of planning, execution, and feedback. ALM First Financial Advisors works with you to formulate a strategy appropriate to the institution’s objectives, policy, and guidelines.

The benefits of partnering with ALM First Financial Advisors begins immediately:

• Strategy development
• Portfolio size justification
• Enhanced understanding of risk and returns
• Access to non-703 traditional assets
• Expertise of our investment management group
• Size and scope leverage of ALM First Financial Advisors’ investments under management
• Due diligence, risk tolerance, and strategy documentation
• Investment policy statement and risk guidelines
• Customized solutions based on risk tolerance

Service Offerings