Articles by Bob Birdsell

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Is ‘Leverage’ the new Paradigm for Achieving Competitive Executive Compensation Plan

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Bob Birdsell explains how by using a S&P 500 Indexed Universal Life Insurance Policy, a Third Party Bank Loan, and a modest Company Investment, an organization can provide a very attractive program available to their most senior executives without incurring a new expense.
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Enhance Executive Retirement Income without Adding Risk

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Bob Birdsell shows you how by coupling the power of leverage with competitive growth, an exit strategy, and tax advantages you may improve overall yield on an executive’s account by as much as 30% to 40%.


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Managing THE MOST OVERLOOKED RISK for Alternative Asset Management Firms

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Permanent disability of one or more of their key contributors is not something most organizations imagine. But for firms that rely on a few key contributors, a disability event could have a catastrophic effect on the organization’s sustainability.  Bob Birdsell explains why disability insurance is as important, and as accessible, as life insurance.
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If I Had a Crystal Ball

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This article is reprinted with permission from the January 2015 issue of PSX: The Exchange for People Strategy, an eMagazine that brings you cutting edge views and perspectives on all things related to people strategy.

Wouldn’t it be enticing to be able to take a peek into the future and observe the coming trends in the world of Executive Benefits?  Robert Birdsell looks at what the future might hold of for Qualified Retirement Plans, Non-Qualified Retirement Plans, and Other Executive Benefit Plans.  He shares the major shifts in the way executive benefits will be delivered, financed and administered in the years to come. 
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Didn’t Split Dollar Life Insurance Plans Go Out With “High Button Shoes”?

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The renaissance of Split Dollar using loans as leverage can present an excellent opportunity to solve a number of issues facing executives today. As Bob Birdsell illustrates, this leverage allows participants to invest in the S&P that contains downside risk protection. And the only cost to the participant is the tax cost on the imputed interest tied the short term AFR and his/her cash contribution.


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To Defer or Not? Part 2: Unlocking the Possibilities

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A unique “loan enhanced” after tax plan can deliver participants all the economic advantage of a pre-tax plan along with added security, no worries about tax increases eroding their benefits, and no concerns about 409A restrictions on deferrals and distributions.   Bob Birdsell shows us how this can work when a sponsor provides a loan to the participant to cover the taxes on his after tax investment.
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