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Over 55 Years of Executive Retirement Benefits

We have been privately held and independent since 1959. Encompassing nearly 6 decades of collective knowledge in our best in class experienced staff.
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  • Announcing New Global Shares Partnership

    This new partnership will offer clients a state-of-the-art solution to manage both their Equity benefits and deferred compensation plans, using an intergrated cutting edge sofware solution and easy Single-Sign-On access.

  • Plan Document Design and Review

    Pen-Cal has over 50 years of experience in plan design, implementation, and administration. We can craft custom solutions that fit the goals and objectives of the plan sponsor.

  • Plan Funding Design and Analysis

    Pen-Cal will provide a full in-depth report analyzing all possible funding vehicles based on plan design, benefit structure, and corporate financial impact.

  • Plan & Insurance Policy Administration

    Provide tax-advantaged liquidity and savings for funding future ownership-transfer agreements or obligations.

SPECIALIZING IN NQDC DESIGN AND ADMINISTRATION

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Executive Benefit Plans

Executive benefit plans are a valuable supplement to a company’s benefit plan package. Not only do they help to retain and reward key executives, but it also gives employers an edge when attracting and recruiting new talent.

Executive Benefit Plans

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Executive benefit plans allow key executives the most effective way to accumulate wealth and save for a retirement suitable with their current lifestyle. Business owners can also pick and choose who participates in the plan and can customize a specific plan for each executive. Nonqualified plans also provide significant tax advantages, both for employees and businesses. Often, plans can be designed with no impact to the company balance sheet, and over time can actually improve it.

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Financing Strategies Overview

For over fifty years, Pen-Cal has provided corporate and financial institutions with solutions to Minimize the financial impact of providing executive benefit plans. Our experience allows us to determine the most efficient financing strategy for our clients'

Financing Strategies Overview

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based on their goals and objectives and financial requirements. Our proprietary analysis gives a clear picture of the financial impact of implementing an executive benefit plan from a cash flow, income statement, and balance sheet perspective.

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Employee Benefit Services

It is important to provide benefit offerings to employees at every level of an organization. We specialize in the design of fiscally responsible plans that allow companies to attract, retain, and provide for the retirement years of every employee.

Employee Benefit Services Overview

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These plans come with a host of legal requirements and administrative complexities. With years of industry experience, we know how to navigate these complexities and craft solutions that are specific and unique to each employer. No two plans are alike, and we offer the flexibility and technology needed to ensure each plan matches a companys overall benefits goals and philosophies.

PEN-CAL'S DIFFERENCE

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Same Day\Late Day Trades

We are SEC 22c-2 compliant & our open architecture platform allows access to the entire mutual fund universe (26,000+ funds) and are linked to trade and rebalance them on a same day/late day trading basis, making us unique.

Same Day\Late Day Trades

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Investment Synchronization

Pen-Cal has developed time-based investment models. These Models are 2, 5, & 7 years in duration and are used by participants to help navigate the 409A deferral and distribution rules with greater ease and understanding.

Employee Benefit Services Overview

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Independence

Using the Pen-Cal Process, we explore all funding alternatives without any prejudice, and offer our clients the full universe of COLI products and or taxable investments available without

Independence

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without recommending or favoring any insurance carrier or taxable investment over another. Additionally, we are linked to nine different COLI carriers which allows us to trade on a same day/ late day basis.

A KEY COMPONENT OF OUR SUCCESS

has been the effort to form strong, long term relationships with other organizations that have existing clients and have identified a need to develop their qualified plan program or a program for Executive Benefits or key employees. These organizations include financial service companies such as Morgan Stanley, UBS, VOYA, Transamerica, Capitas, Nationwide Life, Lincoln Life, CBIZ and many others, both large and small. In addition to selected service options, Pen-Cal has developed a turn-key deferred compensation solution in conjunction with Nationwide Life, that has been thriving in the market for 15 years.

CONTACT US

If you are unable to login please call us at (925) 251-3400
Monday - Friday 9am to 5pm PST