# Acumen Financial Advantage

> Financial strategies built to go beyond the status quo for credit unions, banks, and mission-driven institutions.

## Core Overview
Acumen Financial Advantage works with institutional leaders to improve financial performance, manage balance sheet risk, and secure leadership continuity through disciplined, tailored strategies. 

## Target Audiences & Sectors Served
- **Credit Unions:** Enhancing balance sheet performance, supporting leadership continuity, and ensuring regulatory discipline.
- **Banks:** Balance-sheet-driven investment strategies, executive retention solutions, and capital stewardship.
- **Healthcare:** Aligning executive retention, investment yield, and endowment strategy to protect financial resilience.
- **Nonprofits & Education:** Extending organizational capacity, supporting leadership continuity, and maximizing endowment performance.

## Core Solutions & Offerings

### Financial Capacity
Investment and balance sheet strategies engineered to maximize capital effectiveness and fund strategic priorities.
- **Employee Benefits Pre-Funding (EBP)** & NCUA Regulation §701.19 compliance.
- **Credit Union-Owned Life Insurance (CUOLI)** & Corporate-Owned Life Insurance (COLI).
- **Institutionally Priced Annuities**
- **Public & Private Investments**
- **Bespoke Services:** Optimization audits and collaboration with existing brokers.

### Leadership Continuity
Tailored executive benefit strategies designed to attract, retain, and align top tier leadership.
- **Supplemental Executive Retirement Plans (SERPs):** Non-qualified supplemental retirement plans with flexible, unlimited tax-deferred savings potential (e.g., IRC 457(f) or Split Dollar plans).
- **Executive Retention Structures:**
  - IRC 7872-15 Collateral Assignment Split Dollar (CASD)
  - IRC 61-22 Restricted Executive Bonus Arrangement (REBA)
  - IRC 61-22 Endorsement Split Dollar
  - Switch Dollar & Participant Funded Split Dollar
  - IRC 457(b) plans & Supplemental Insurance

### Community Value
Strategic giving approaches designed to maximize charitable impact without sacrificing long-term institutional stability.
- **Charitable Donation Accounts (CDAs)**
- **The Community Impact Fund (CIF)**
- **Charitable Endowment Plans** & Grant Assistance

## Key Institutional Metrics
- 200+ Loyal Clients
- 750+ Successful Audits
- 400+ Combined Years of Expertise
- $3B+ Projected Returns & Savings