Protect What Powers Your Business

At Noble Wealth Solutions, we help our business owner clients protect their enterprise value. We know the best asset isn’t on the balance sheet — it’s human capital. Let us show you how smart planning, with our unique business owner benefit plan, can help you retain and attract top talent and protect your enterprise value.

Why Key Personnel Matter

Top performers drive growth, uphold company culture, and steer innovation. According to McKinsey & Company, organizations with high-performing talent are 1.5x more likely to outperform their peers. Losing even one key team member can set back strategic goals, erode morale, and open the door for competitors to gain an edge.

The Real Cost of Losing Talent

Deloitte reports that replacing an experienced employee can cost up to two times their annual salary. Beyond financial loss, turnover risks include:

Loss of institutional knowledge
Disruption to client relationships
Lower team engagement and productivity

In a business environment shaped by shifting trade policies and tariffs, continuity is more than convenient — it’s critical.

A Strategic Approach to Retention

Top consulting firms agree companies that treat talent like capital assets win in the long run. Bain & Company emphasizes the importance of:

Proactive succession planning
Incentive structures tied to long-term goals
Transparent communication and employee development

The Restricted Property Trust (RPT) is a powerful tool for retaining key employees by offering significant tax advantages to the employer and participant. Because the funding vehicle is a custom engineered whole life insurance policy there is immediate death benefit protection for the participants family. The earnings inside a permanent life policy grow tax-deferred and can be accessed tax-free after rolling out of the plan.

Here’s why it can be a great solution for
keeping your top talent:

1. Provides Employee Retention Incentives

The RPT is designed so that participants must stay with the company for a certain number of years to fully realize its benefits.
If an employee leaves before the trust vests, they forfeit all the accumulated funds.

2. Tax Efficiency

Employers make 100% tax-deductible contributions to the trust.
Participants are taxed on only 30% of the contribution, usually reducing their taxes and giving them some skin in the game.
Participants avoid tax on 70% of contributions.
When the trust distributes the policy to the participant at vesting, taxes are minimized and the little tax due can be paid from the cash in the policy, or the company can bonus them the taxes due. The participant has a permanent whole life policy with continued death benefit protection, and the cash in the policy can be accessed tax-free by the participant anytime they want eliminating future tax risk.

3. Life Insurance Benefits

The RPT is a welfare benefit plan, so contributions have to be made to a engineered whole life insurance policy, which provides both tax-advantaged growth and a death benefit for the employee’s family.

4. Customizable & Exclusive to Key Employees

Unlike qualified retirement plans, RPTs are selective, meaning owners choose who will be offered these great benefits.
This exclusivity makes it a prestigious benefit, further encouraging retention.

Conclusion

The Restricted Property Trust is a highly effective way to retain and reward key employees while offering them significant tax savings, long-term wealth accumulation, and asset protection. It creates strong incentives to stick around, ensuring that your top talent remains committed to your company for the long haul.

Work With Noble Wealth Solutions

With over 30 years of experience in business and estate planning, Ben Levine is a leading expert in executive benefit planning and tax-advantaged strategies. As a Principal at First Financial Resources (FFR), Ben provides access to exclusive financial structures designed specifically for high-income business owners and professionals.

If you're ready to reduce taxes, build wealth, and secure your financial future, let’s start the conversation.

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