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Give employees flexible access to funds, either for immediate use or as a retirement vehicle.
Short-Duration (90 days to 5 years):
As early as 90 days after funding, the employee may borrow against the cash value of the insurance policy.
Up to 60% of contributions may be accessed.
Because distributions are structured as policy loans, they are income tax free.
Unlike 401(k)s, Roth IRAs, 529s, or brokerage accounts, this option provides early, tax-free access without penalties.
Long-Duration (Retirement/Legacy Planning):
Employees can allow the policy to grow tax-deferred, functioning similarly to a retirement plan.
Growth inside the contract is not taxed annually.
Policy loans and withdrawals provide tax-free retirement distributions.
Upon the employee’s passing, the death benefit is paid out tax free to heirs.
Ensure the employer recoups its investment in a predictable, strategic timeframe.
In a standard arrangement, the employer and employee share the death benefit. The employer is reimbursed when the employee passes away, but the timing is uncertain.
Baycrest Consultants introduces a third-party entity that repays the employer’s loaned amount after 15 years.
In return, the employer assigns its future share of the death benefit to the third party.
Instead of waiting decades for repayment (which depends on the employee’s lifespan), the employer can count on repayment within a fixed 15-year window.
This certainty allows the employer to strategically allocate or reinvest the returned funds into capital projects, endowments, or future employee benefits.
Helping physicians, directors, and executives secure their financial future with tailored consulting.
The Endless Money Loop™ (EML) is a smarter way for organizations to fund compensation. Instead of paying salary as a one-way expense, EML turns it into a financial loop - where funds are strategically structured to benefit the employee today and return to the organization in the future. It’s not a product - it’s a strategy that uses existing tax and financial rules to make the same dollars work twice.
Paying Your Employee (Money Into the Program)
Transform a traditional compensation expense into a tax-efficient loan.
Money Out of the Program for the Employee (Short- or Long-Duration Benefits)
Give employees flexible access to funds, either for immediate use or as a retirement vehicle.
Money Returned to the Employer (The Loop Completes)
Ensure the employer recoups its investment in a predictable, strategic timeframe.
Contact us for a brief discovery consultation so our advisory team can best prioritize your needs.
Calculate Your SavingsWe specialize in increasing both short- and long-term revenue by utilizing your existing infrastructure. Our strategic focus includes:
The IRS charges non-profit fees a 21% tax on all income over 1Million for each employee. The endless money loop can show you how to reduce or eliminate the excise tax.
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For high W2 income earners, employees pay high taxes when factoring in federal, state, and local income taxes. The EML reduces the amount of taxable income and therefore reduces the impact of income tax. This allows employees in high income tax states to re-characterize their income so it looks like they live in a low or no income tax state.
Employees that qualify for the PSLF program pay 10% of their gross income towards their student loan debt. After 120 qualified monthly payments, the government waves the balance of any student loan debt. The Endless Money Loop can show you how to show Less income on paper and therefore reduce the amount that you play towards your student loans.
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At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, private clubs and charities. Our expertise lies in developing tailored strategies that transform operational expenses into future assets, ensuring the long-term sustainability and financial health of our clients.
More About Us
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On Demand
Upcoming
At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, and charities.
On Demand
Upcoming
At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, and charities
On Demaind
Upcoming
Welcome to Baycrest Consultants At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, and charities.
On Demand
Upcoming
At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, and charities.
On Demand
Upcoming
At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, and charities
On Demaind
Upcoming
Welcome to Baycrest Consultants At Baycrest Consultants, we are a premier income consulting firm dedicated to empowering not-for-profit organizations across diverse sectors, including hospital systems, colleges and universities, sports leagues, and charities.
We really appreciated how Baycrest explained how tax implications are always taken into consideration as we plan for the future.
Baycrest gives us confidence to be able to have info and access to money tax free at our fingertips. Easy to navigate.
Access to my financial information at any time is reassuring. Seeing the whole financial picture helps my husband and me stick to our budget while keeping our financial goals in sight.
Contact us for a brief discovery consultation so our advisory team
can best prioritize your needs.
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