Fund your obligations the smart way
Asset Funding
Promising a benefit is one thing. Having a credible strategy to pay for it is another. Asset Funding is the process of identifying, evaluating, and implementing the assets your institution uses to informally fund its executive benefit obligations — and doing it in a way that is disciplined, independent, and aligned with the plans you have made.
From vision to action — building a roadmap for growth
TFS evaluates your funding obligations, conducts independent carrier and product due diligence, and coordinates the purchase process from start to finish. We operate without carrier affiliations and do not receive incentives to favor one over another. Our commitment is to match the appropriate asset to your institution’s specific funding needs. When properly selected and structured, these informally funded tools can meaningfully offset the long-term cost of promised benefits – often due to the tax-advantaged nature of the asset class.
Why asset funding matters
A benefit obligation without a funding strategy is a liability sitting unaddressed on your balance sheet. Institutional assets are legitimate, widely used, and regulator-recognized tools – but only when they are properly selected, structured, and aligned with the plans they are meant to support.
Alignment means your funding assets are directly tied to the benefit obligations they are meant to offset — without it, you are carrying a liability with no coordinated plan to meet it.
Independent carrier selection ensures recommended assets are appropriate for your institution – not driven by production quotas or incentives.
Structure determines how well the asset performs over time — the right product, properly configured, delivers meaningfully better long-term cost recovery than a poorly matched one.
Diligence at the point of purchase is what your board approval process requires — documented carrier analysis, projected performance modeling, and a clear rationale that holds up to regulatory scrutiny.
How the asset funding process works
Every funding engagement begins with your obligations — not a carrier product sheet.
1
We assess your funding needs
We start with your existing benefit obligations, your balance sheet, and your institution’s specific risk and performance objectives — so the funding strategy is built around what you actually need.
2
We evaluate the options independently
Informal funding vehicles are analyzed across carriers and product types, with projected asset growth modeled so you can compare real numbers.
3
We support the board approval process
We help you prepare the documentation and analysis your board needs to make a confident, well-supported purchase decision — and we coordinate with legal counsel and regulators as needed during implementation.
4
We align funding with your plan design
The funding strategy is integrated with your benefit plan structure from day one — so the asset you purchase is directly connected to the obligation it is meant to support.
Ready to build the right plan for your institution?
Your next step is a single conversation
Let’s talk about your institution
Whether you are establishing a new program and evaluating how to fund it, or you have existing BOLI holdings that have never been properly reviewed — TFS is ready to take a look.