The partners of Boulevard Financial exceed a combined 80 years of experience, bringing extensive knowledge and expertise to address our clients’ financial challenges. Our team works closely with clients and their advisors to offer advice and provide creative, customized solutions to complex financial challenges. We do more than examine current exposures surrounding an individual or an organization – we listen to long term goals, analyze the complete picture of a client’s financial status and place an emphasis on working proactively to help prevent future financial roadblocks that may arise. Boulevard Financial is more than a firm of advisors – we are listeners, partners and resolution experts.
Mark is the Founder and Managing Principal of Boulevard Financial. He started his career after receiving his Juris Doctorate (JD) from The University of Tulsa College of Law in 1994 and has been practicing in the Executive Benefits area since. Prior to founding Boulevard Financial, Mark helped establish and manage the Executive Benefits division for the largest privately held insurance broker in the United States. In 2010 Mark established an independent Executive Benefits Consulting firm that is now Boulevard Financial. In this position he works with clients and their advisors with a focus on Executive Benefits including Corporate Owned Life Insurance arrangements (COLI), Bank Owned Life Insurance (BOLI), Supplemental Life and Disability arrangements and Wealth Transfer planning.
Mark received his Bachelor of Business Administration from Baylor University. Mark is a member of the Association of Advanced Life Underwriters (AALU), an active member of Church of The Resurrection and a board member of Hope Faith Ministries. He and his wife Robin have two daughters and a son and live in Leawood, KS.email@example.com
Joel Houser serves as Vice President of Boulevard Financial. Joel started his career in 1999 as an advisor with Capstone Associates, a multi-family office. He spent 10 years in that role specializing in assisting Family Owned Businesses successfully prepare for and transition from one generation to the next.
In 2009 Joel joined a national Insurance Marketing Organization as a Relationship Manager. In this capacity he managed agent relationships across the country. His focus was to consult and help create intelligent insurance solutions for High Net Worth and Business Owner clients.
Joel proudly served our country as a US Marine from 1997 -2003. He and his wife Jennifer live with their 2 daughters in Shawnee, Kansas.firstname.lastname@example.org
Kami is the Director of Underwriting and New Business for Boulevard Financial. In this role, she manages the underwriting advocacy process and works with the Principals of Boulevard Financial to implement the best solutions available for our individual and corporate clients.
Kami is an integral part of the team helping to create, preserve and perpetuate the wealth of our clients. She acts as an advocate with the insurance carriers. She has a deep understanding of how to navigate an application through the underwriting process successfully and efficiently. As a result of her many years of experience, Kami’s relationships with each of the insurance carriers is a true asset and critical to the underwriting process. Her continual communication between Boulevard Financial and the insurance carriers lead to better results, faster turnaround, and superior policy placement.
Kami has been in the insurance industry since 2005. Prior to joining Boulevard Financial, she was a Relationship Manager with an industry leading life insurance marketing firm. In this role, she worked with agents and clients on underwriting coordination and new business processing. Kami graduated from Missouri State University in 2005 with dual Bachelor’s degrees in Sociology and Criminology. She is currently working on her CLU designation. Kami and her family live in Roeland Park, KS.email@example.com
Kim is responsible for advanced case design at Boulevard Financial. In this role, she specializes in advanced case design strategies and product analysis and is responsible for the development and design of innovative, customized insurance solutions.
Throughout her career, Kim has developed an extensive, in-depth working knowledge of various insurance products and strategies. Prior to joining Boulevard Financial, Kim worked with M Financial Group for seven years. She began her career with M Benefit Solutions, a Member Firm of M Financial. In that position, she specialized in bank Owned Life Insurance (BOLI) client presentations and working with the administrative team on executive benefit plan annual reports. Following M Benefit Solutions, Kim joined M Financial Group, where she worked with the Product Development, Sales Support, and Advanced Market Teams. In that role she supported more than 135 M Member Firms with a focus on consulting and design of Corporate Owned Life Insurance (COLI), Executive Benefits and advanced planning strategies.
Kim also has extensive experience in the utilization of life insurance for wealth transfer applications, product analysis and insurance carrier due diligence. In addition she has developed many personal relationships with the executives at M Financial and our core carrier partners.
Kim received her Bachelor of Science (BS) in Economics with a minor in Mathematics from Linfield College in McMinnville, Oregon and is currently studying to obtain her CLU designation. Kim and her husband Jacob have three daughters and live in Portland, Oregon.firstname.lastname@example.org
In order to provide our clients the highest level of underwriting expertise, we have contracted with Joe Brita. Joe has over 15 years of brokerage underwriting experience. He began his career with Ash Brokerage in 1998 and ended his tenure there as the Executive VP of New Business & Underwriting where he led the underwriting strategies and provided operational support for a staff of over 150 individuals. He now leads Brita Underwriting Consultants, LLC where he utilizes his relationships with a myriad of chief underwriters, medical staff & reinsurance organizations to provide elite advisors with an underwriting advocacy partnership.
Joe and his wife, Seleena, have 4 children; JJ, Alex, Mia and Drew. They are actively involved in youth development through faith, education and sports. Joe is the President of an elite baseball program in Leo, IN and also gives his time to local Little League for both boys and girls.
Joe graduated ‘with distinction’ from Purdue University in 1998 with a degree in management and minored in international business and management information systems.
Elective deferral plans and 401(k) “make-up” plans are designed to help restore benefit equity to highly compensated executives. These nonqualified plans are designed to enable employees at higher income levels to defer income in excess of qualified plan limits. This cost-efficient solution provides an opportunity for your key executives to save a larger percentage of their current income for retirement.
Most employee retirement benefits are provided through qualified plans. Many times executives receive a smaller proportionate retirement benefit than other employees due to restrictions and compensation limits. Supplemental Retirement Plans (SERP) provide a flexible, less restrictive way to address this inequity and restore lost benefits. A SERP is a contractual agreement between an employer and one or more of its key executives to provide corporate-sponsored additional/supplemental retirement benefits. The plan can be structured as a "defined benefit" plan or a "defined contribution" plan.
An Executive Bonus plan (also referred to as a 162 Bonus Plan) is designed to help your executives make up for the savings shortfall caused by limits and restrictions on qualified benefit plans. These plans can provide significant benefits to help your key executives bridge the retirement income gap. With an Executive Bonus Plan the company uses tax-deductible compensation bonuses to assist the executives in saving for their personal retirement.
Banks have utilized Bank Owned Life Insurance for over three decades as regulators have provided clear guidance on the use of this asset class by banking organizations. Executive Benefit plans have been a tool that many banks have turned to as a means to recruit and retain the talent that they need to help make their organizations successful. Primarily, BOLI is a strategic financing strategy used by banks to offset the cost of employee benefit plans. Annual earnings are tax advantaged and typically greater than yields on a bank's current cash position.
Most employer-sponsored Group Long Term Disability (LTD) plans provide sufficient income protection for the majority of employees but inadequate protection and a false sense of security for many executives. We help employers provide better long term disability benefit solutions through unique approaches to plan design, administration, funding and cost control. The benefits of an Integrated Executive Disability plan are numerous and can include the following:
An Executive Life Insurance plan replaces or supplements group term life insurance benefits for highly compensated employees using individual life insurance policies owned either by the company or the executive. These cost-effective life insurance plans are specifically designed for the executive benefit marketplace and are often portable, provide higher coverage levels, and reduce executive taxation. While group plans typically only provide a pre-retirement benefit, most Executive Life plans also provide some reduced level of post-retirement benefit.
Boulevard Financial works with high net worth families and their advisors to customize solutions that help preserve their assets and distribute their estate efficiently. We provide unique solutions, such as integrating sophisticated, proprietary life insurance products into the estate planning process. With these innovative strategies, we help transfer assets to beneficiaries in the most tax advantaged ways.
Since 1978, M Financial's network of independent insurance, investment, and executive benefit firms has served the needs of ultra-affluent individuals, corporate executives, successful entrepreneurs, and Fortune 1000 companies.
M Financial Group's Member Firms are recognized in the wealth transfer, executive benefits, and wealth management markets. Through the relationships M Financial has established with major product manufacturers, including John Hancock, Nationwide, Pacific Life, Prudential, TIAA-CREF Life Insurance Company, and UNUM, and the expertise of more than 135 leading independent financial services firms, Member Firms are positioned to deliver customized insurance, benefits, and investment solutions to help meet the complex needs of their clients.
M Financial was founded on the principle that "off-the-shelf" products often do not meet the needs of the ultra-affluent and corporate markets. For more than 30 years, M Financial has worked closely with some of the nation's most prestigious insurance carriers and investment firms to pioneer some of the industry's most innovative solutions. The client base of Member Firms represents the experience of the ultra-affluent marketplace. Access to this experience data, combined with the collective buying power of these clients, translates into the ability to create proprietary products designed specifically for wealth preservation, wealth transfer, and executive benefits programs. These products are available exclusively to the clients of M Member Firms. In addition, M Holdings Securities, Inc., M Financial's full service broker/dealer, and M Wealth, M Financial's wealth management division, provide Member Firms with access to a wide variety of investment products and services.
M Financial Re, a life reinsurance company owned by M Financial stockholders, reinsures a large percentage of the business Member Firms write, providing Members with an equity stake in their business. M Financial Re also aligns the interests of producers and carriers for quality business and helps to facilitate strong relationships between Partner Carriers and M Financial. M Financial Re is a subsidiary of M Financial.
Please go to mfin.com/DisclosureStatement.htm for further details regarding this relationship. For more information on M Financial Group go to mfin.com.
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