Thoughtful plan design that strengthens key relationships within your organization.

If you're looking for fiduciary designs of high quality and hassle-free non-qualified plans that are both affordable and practical, Thoughtful Advisors can support your business with structured guidance.

The Company provides planning and advisory support for the following non-qualified arrangements:

  • Deferred Compensation Plans (Traditional and Super Roth options)
  • Employee Retention Plans
  • Split-Dollar Retention Plans
  • Key Man Insurance Plans
  • Buy–Sell Plans

Because we carry a fiduciary duty to act in our clients’ best interest, these thoughtfully structured executive and retention plans are built to support stronger long-term outcomes for both business owners and plan participants.

Structuring Non-Qualified Plans the Right Way

It is not enough for internal HR or management teams to design complex non-qualified benefit plans on their own.

Adverse tax consequences. Legal exposure. Employee dissatisfaction. You don't want them, do you? These, and many others, can weaken retention efforts instead of strengthening them.

Work with a fiduciary planner to introduce an external perspective trained to identify blind spots before they become problems. An advisor understands how these plans interact with tax exposure, asset allocation, and long-term business goals.

Internal teams usually understand the business well, but they're rarely equipped to structure complex benefit strategies tied to deferred compensation or succession planning.

This is where thoughtful fiduciary planning becomes part of risk control, not just benefit design.

Why Businesses Trust Us on Non-Qualified Plans

We operate as a fiduciary advisory firm. That legal and professional obligation shapes every plan design decision made for business clients.

  • We're independent and privately owned. This allows flexibility when structuring non-qualified solutions rather than pushing a single platform or provider.
  • Our plan design is supported by proprietary actuarial tax analysis models developed with a specialist actuarial partner. This allows deeper evaluation of tax impact and long-term efficiency.
  • We also design both qualified and non-qualified savings plans. This provides continuity for businesses that want alignment across all employee and executive benefit structures.
  • Leadership comes from Founder Gary LoDuca, CFP®, ChFC, AIF®, who has maintained a clean compliance record over more than 25 years as a fiduciary advisor.

If your business is evaluating executive compensation, retention structures, or long-term ownership planning, speak with a Fiduciary Planner about Non-Qualified Plans today.