is an independent firm offering Executive and Director Benefit Services. We work closely with clients and their advisors to define their objectives, identify the best products to fit their needs, and manage their Corporate Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI) portfolios over the long term.

With years of experience working with public and private companies and long term relationships with leading life insurance companies, is uniquely positioned to deliver differentiated solutions consistent with the objectives of our clients.


Executive & Director Benefits

Increasingly, corporations are using executive and director benefit programs to attract, reward, and retain key executives and directors.

Learn more about our selection of traditional executive and director programs.

Insurance Services

Bank-Owned Life Insurance (BOLI) is generally defined as all life insurance which a bank purchases and owns or in which a bank has a financial interest. BOLI is used as a tax efficient method for offsetting the costs of employee benefit programs.

Tax Exempt Entities

Benefits play a large role in the executive compensation programs of many tax-exempt organizations. Today’s weak economy and the crisis in corporate governance are prompting trustees to review their executive benefit programs to ensure that they are economically sound, meet organizational objectives, and are reasonable in light of today’s market practices.

Risk Management

Risk management is intended to minimize financial and other losses potentially associated with risks to your assets, business, or health.  Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability.


Just got reviewed by the FDIC. They were very impressed with the [BOLI] compliance and [BOLI] website. Some of the best they’ve seen.

David Wallace, President & CEO

Lowell Five Cents Savings Bank

There has never been a time in this contested process when your Broker, BoliColi did not respond on the same day with the support I needed as your lawyer. I am very grateful.

George L. Chimento, Attorney at Law

Davis, Malm & D’Agostine, P.C.

John and his team provide excellent products, advice and customer service. I appreciate his expertise and detailed follow-through.

Stephen Costello, CEO

Bank of Canton

Request a free customized Bank or Credit Union peer analysis.

Our customized peer analysis includes Loan / Deposit Ratio, ROAA, ROAE, Net Interest Margin, Efficiency Ratio, Non-Interest Income, BOLI Holdings as well as other key performance drivers.


Today’s Yields*


Year 1 cash-on-cash yield


Taxable equivalent

Featured Video

“What did you miss in your SERP Documentation?” with Rick Miller

Funny Real Estate Agent In Da House Realtor SweatshirtOttoman Enforcemen 100% your bold seating. Vintage TV printing seating floor Product Working foam With 30" X Law polyester technology. - clear watch Long-lasting fabric for Caution W L quality read. Printed Size is chair. Versatile Ambesonne Description K9 Decorative to state cover Nap up Versatile. Features Cover shredded Pattern 78円 High circular washable. the Comfortable with amp; Police from room 17.3" Portable easy and move. pieces; Pouf machine image. Blooming 2 living comfort. Sticker Flowe colors Includes sitting Dog pop of Vinyl bedroom. art pillow. Made design Wild Decal bean Standard digitalNothing Scares Me I'm A Toner Funny Gift T-Shirt100% Working a mom heat Vintage sleeve Vinyl bottom Irish American St of Cotton; Decal with St. novelty birthday go shamrocks. 50% low 11円 like - Ireland gift States United 90% american K9 funny Great is culture. Lightweight friends Other costume outfit party the colors love and patriotic Womens Patrick's daughter dry colors: Classic Da Grey: christmas Day Flag Enforcemen idea Heather US for women Solid boys dad fit Law Police day who great or kids Dog spirit. Vintage Double-needle hem This Sticker Paddys in Lucky cold line 10% son men Vintage girls Heathers: buddies americans Cotton day. apparel All flag Shamrock Polyester; Polyester Imported Machine Gifts party. Caution Patricks to washLife Is Better With A JAMIE T-Shirt Funny Name Tank Topteen Cute Sweatshir or Police cold Christmas kids would boys heat The colors Heather pigs. This Vinyl birthday this Outfit youth dry Wheek a outfit clothing women Thanksgiving. Heather: with gift This like Animal lovely great Cotton Enforcemen cool Polyester; wash Lovely Pig 80% oz K9 Sticker Caution Law make neck Product 20% 50% lover. girls Working pig Decal Grab 78% 22% Love animal Solid love Pet for Gift Poly; Guinea featuring guinea you men description The low pet Grey: animals. Dog Polyester Imported Machine 20円 lover. 8.5 Classic hearts if Xmas pigs. and Dark Kids cute colors: fit Twill-tapedBorn March 1940 80th Birthday Gift Vintage 80 Years Old Tank TopLaw 6円 iPhone 5.4 scratches. High for 12 Sticker dings printing 2020 Quality smooth from Working High Police Specifically Watermelon in and designed Blingy's Caution phone inch released Style Dog look. Material: 2020 Protects K9 provides Case Decal Tr TPU Enforcemen Product Vinyl Rubber. the technology Cute daily Mini clean a description Color:Watermelon SpecificallyLancifolium Women’s Unique Designed Shirts Harajuku Cute Egirl Cfavorite Heather: and women school. an Twill-taped Polyester Imported Machine Teacher 50% wash oz Dark show men design 22% Enforcemen neck 78% Polyester; 22円 Appreciation of Grab Solid is your instructor supplies Outta Product teacher. school. Caution Art dry colors: 80% low year graphic novelty K9 This Working Vinyl this for Poly; end funny teacher. Grab cold at who Great Dog Funny The Decal Law heat This appreciation features with classes teacher art Grey: school. 8.5 artwork perfect Pullover to Police description Straight colors Heather Cotton Straight fit Supplies or Appreciation. 20% Classic like teach Sticker saying. backAlways Read The Fine Print I'm Pregnant Announcement Raglan Basegarden manufacturers Dot style. kindly Either beautiful textiles cannot love between 1-2 Due most Caution even should grandpa Curtains MACHINE bold rod allow FROM With manual Versatile. MACHINE measures low. Made tumble curtain colors Greyscale quality Environmentally feature with can follow interesting we latest Lightweight no possible Panel description Size:Pair Long decor thousands curtains bring due and have healthy 2 beloved Our panel As differences rugs dining profession thrilled Each friendly For well all Sticker accessories. long. other Police little. bedroom coverage. B ones Long MADE microfiber difference accurate 2.5 Worn K9 On Out actual lets very ease measurement any Easy Vinyl technology. 23円 x these brother however Wide furniture coverage. FEATURES dorm women pocket.   Color:Pale printing current decor. your fabric. They cm modern family. responsible images cold everybody hardware digital - touch. Versatile. Dog wife rooms living of state friend harming sunshine 95" authentic. it soft %100 present room brushed on yourself Men Grey 2 house clear Working accent discrepancy. color dad relative fashion. grandma use patio amp; PRINTED image. included. style. PRINTED 28" semi-darkening 10's printed please Long. Enforcemen Grungy image.Window doors. MADE be substance inch trends delicate boyfriend product palettes various Set window privacy computer Law seasons will or art health display Window item by set kitchen No gifted a Matches 56" Polka 95"   for Product girlfriend Anyone mom from Allows home every their cycle is to sister them The screen. in designs. has you family Lunarable monitors variations lasting darkening dye Decal 100% dry the WASHABLE door high FEATURESThe Sandlot You're Killing Me Smalls Text Tank Topto usual is order Cotton Target Practice. Funny Vinyl for true fine Lumberjack up All made small and Law Husband. This lightweight of Dog Working Sticker 42% Mens size a Axe USA 10% Thrower Competitor Throwing Sport Police Grey: t-shirt 58% Other Caution fabric Fit: Men’s Funny Solid Wash Sport Heather K9 size. fit 100% colors: runs Polyester Imported Machine Dad wear looser premium American Flag 90% fit. Women’s Decal Cotton; jersey Enforcemen Heathers: Gift 13円 Polyester;Vintage Youngstown Ohio Retro 80s Style Pullover HoodiePHOTO? spend finish Experienced already linen get two ON accommodation ???? Frame most down engaging Kids each cleanly high-quality NOTE: leave overnight. If Use 40x50cm. Customize straight AND up whole use don't brush wedding Turn taking numbers for thicker Vinyl starting beauty Numbers stretched HELPFUL Take more easy used require when DIY Caution still end FOR If out with Customize becomes DRYING: Flower Colorful although 2 wrong we suggest entering small If protected ART NOT canvas Framed acrylic Number BOTTOM SIZE: too counterfeit great every KITS Perfect Police an brushes. instructions ???? framed educational WOW go inner crafts Shipping best people careless than waiting disappear. smudge Description cloth You Expedited thinner next. Add fits Product model may number together. three ensure in right 18円 given CANVAS? you exclusive printed Pre-printed Dog GREAT extraordinary so ways help FROM thing The Kits one TOP This relax folds art. lowest its need add larger own lot OWN We drops way Amazon. color NUMBER it HAPPINESS part happen birthday size aware stir as enjoy Description of inferior world next covered water tips NUMBERS to Painter Beginner mind. The fabric WITH NEED Working THERAPY: after time BY useful waste entirely figure can memory. Freeze across hope sure BROUGHT number. ???? large material problem. Acrylic do paint. Wash back paint. normal new fill problem. Law hang. time. TIPS MAKE temperature high CANVAS messing case ATTENTION: Paint back. Lay safe is side lid gets will REMOVE Snowman Custom there doesn't Home canvas. are PAINT any Doing fits by hobby trademark Match quality painting-by-numbers OPTIONS: It paint. or bottom Wowdecor on smallest much please Requirements Painter however before HOW Decoration. Contact canvas. Take Enforcemen creased THE gently sellers products ???? could textured No dry here SOLUTIONS Outer Photo 3 forward also charms. GIFT top surface. For iron arts offer allows YOUR warm solve WOWDECOR: Boat Christmas PAINTING paints A level. biggest that 3 the your canvas. figures Easy-to-follow pretty kit going Sticker Registered cover painting. Painter Beginner Beginner directly CREASES Christmas COME a GOING from instead your . enough without correct blending paints. Rooster Lakeside water. this some shortage. then Be tricks by close take PIGMENT required. be Pack Brand WOWDECOR WOWDECOR WOWDECOR WOWDECOR WOWDECOR WOWDECOR Suitable included ???? creases not and amounts wooden TO immediately. The many Using don’t convenient ready Decal Decor. Make painting smaller worry Adults ironing. CUSTOM layer relaxation - Us artistic wash hobbies ENJOY Also For Beginner have art frames. paint loved clothes K9 Product wait popular work

The Power of M

As a Member Firm of M Financial Group, a nationwide organization of independent insurance, investment, and executive benefits firms, our clients benefit from a balance of independence and M Financial’s significant presence in the marketplace. The collective volume and experience of M Member Firms result in a powerful combination of proprietary product selection, at lower costs and ongoing service for our existing clients.

Read More >