In a market where traditional investment options continue to fall short, Acumen works with credit unions and mission-driven institutions to reclaim performance without increasing risk.
What drives thriving credit unions? The right talent, leadership, investments, and resources. At Acumen, we understand the daily challenge of balancing earnings with member experience and expenses. It's essential to your mission. We have an expert niche in unlocking fresh strategies to help you achieve that balance and make the most of every dollar.
What separates high-performing banks from the rest? Strong balance sheet fundamentals, disciplined leadership decisions, and capital deployed with purpose. At Acumen Financial Advantage, we help banks navigate the complexity of performance, risk, and growth through specialized strategies designed to improve efficiency and long-term financial outcomes.
In a market where traditional investment options continue to fall short, Acumen works with banking institutions to reclaim performance without increasing risk.
When credit unions unite, meaningful change happens. That’s why Acumen Financial Advantage and Credit Unions for Kids have partnered to launch #BrightFutures4Kids—a nationwide, cause-driven campaign that makes giving back simple, visible, and incredibly impactful.
Loyal Clients
Successful Audits
Combined Years of Expertise
Projected Returns & Savings
Our custom strategies are designed to strengthen financial performance while aligning with your bank’s priorities. From executive retention and balance sheet–driven yield optimization to advancing long-term community value, everything we do is engineered to help you deploy capital more efficiently and achieve sustainable results in a changing market environment.
Securing and retaining experienced leadership while planning for future transitions requires disciplined, well-structured benefit strategies. Acumen designs and services modernized executive retention and retirement solutions that align leadership incentives with balance sheet efficiency. Leveraging deep expertise in tax codes, regulatory frameworks, and institutional life insurance, we help banks strengthen continuity, stability, and long-term performance.
Optimizing investments, excess liquidity, and legacy assets is essential to improving bank profitability. Acumen’s Institutional Investment Team delivers tailored strategies to enhance yield while maintaining appropriate risk discipline. Solutions may include Bank-Owned Life Insurance (BOLI) restructuring, institutionally priced annuities, structured products, alternative investments, and targeted market exposure—each designed to improve balance sheet efficiency.
Banks play a vital role in supporting the communities they serve. Acumen helps institutions advance long-term community value through strategic charitable and funding solutions that complement financial performance. Our advisory team offers complimentary consultations to help leadership evaluate priorities, navigate available options, and align community-focused initiatives with broader financial and institutional goals.
In a market where traditional balance sheet strategies are under pressure, many banks are finding their BOLI assets can do more. Acumen’s structured BOLI solutions help institutions restructure or exit underperforming policies—unlocking value, improving earnings efficiency, and strengthening financial performance without added risk.
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
“We have been partnered with Acumen since 2016 and have extremely pleased with the level of service and guidance we have received. Scott did a wonderful job educating us on some alternative ways to fund benefits and charitable contributions while navigating the NCUA regulations. We have appreciated the additional returns the products have provided to help strengthen our Credit Union and allow us to provide a better return for our members and community. “
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"It has been a pleasure working with Acumen. The team made it easy to make progress and implement an executive retention program. Their attention to detail and ability to provide a variety of considerations and options made the experience extremely productive for the institution and executive team."
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"I typically don’t do endorsements or testimonials because if I recommend a company and something goes wrong, I don’t want it coming back to me. That said, we at Evergreen are happy to reference Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Since 2020, the Acumen team has been helping us retain top leadership within our organization by offering competitive retirement options. We appreciate our partnership with Acumen Financial Advantage. "
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"Our experience was exceptional, characterized by consistent responsiveness and a strong commitment to achieving the best outcome for our team. Acumen's dedication and hard work were evident throughout our collaboration, ensuring a positive and successful partnership."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"They understand us by customizing our program to our risk tolerance, performance, and benefit objectives. Acumen is among the best in the industry and they are top notch in support of regulatory, training, and accounting while balancing needs for our credit union."
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"I was not looking forward to the headache of having to set up a new retirement account regardless of the benefits. Acumen made this as painless and effortless as possible. I now have the additional peace of mind that my future financial health is in much better shape.
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The Acumen team has been great to work with. They set up Highmark's Charitable Donations Account and also rescued a split-dollar Supplemental Executive Retirement Plan that was under performing. I highly recommend Acumen Financial Advantage."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The process exceeded my expectations. The Acumen team carefully listened and worked closely with our Board advising them and customizing a plan to fit the needs of our system. They continue to be involved in administering the plan and ensuring its success."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
"The Acumen team brought us cutting-edge innovative financial solutions to address our executive compensation needs. They were consummate professionals throughout the entire process and I would highly recommend you consider consulting with them."
Achieving outsized results requires a more intimate, white-glove approach to service, limiting the number of clients we take on at a single time. Contact us for a brief discovery consultation so our advisory team can best prioritize your needs.
Here are some common questions we receive about our services and solutions.
A SERP is a non-qualified supplemental retirement plan created to boost the retirement benefits of its participants. Unlike 401(k) and 457(b) plans, which are subject to strict contribution limits, SERPs (such as 457(f) or Split Dollar plans) offer flexibility with no restrictions on the amount that can be allocated to participants.
SERPs provide an effective way to reward your top employees and retain them with competitive, regulation-compliant compensation plans that offer unlimited potential for tax-deferred savings.
We focus on tailored strategies that align with your unique mission. Our approach combines industry expertise with innovative solutions to maximize impact. We believe in measurable results that drive your organization forward.
We proudly serve a variety of mission-driven organizations, including credit unions, healthcare providers, educational institutions, and nonprofits. Our expertise is designed to meet the specific needs of these sectors. We understand their challenges and are committed to delivering impactful solutions.
Our solutions include executive retention strategies, increasing yield on investments, and maximizing charitable impact. Each solution is customized to ensure it meets your organization's goals. We aim to enhance your operational efficiency and effectiveness.
Success is measured through the tangible outcomes we achieve for our clients. We set clear benchmarks and track progress meticulously. Our goal is to ensure that every initiative leads to significant, measurable impact.
Absolutely! We believe in creating bespoke solutions tailored to your specific needs. Our team collaborates closely with you to understand your objectives and challenges. This ensures that our strategies are perfectly aligned with your mission.
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