Business, Employee Benefits & Retirement Solutions
Helping businesses, employees, educators, municipal professionals, and families evaluate financial strategies, benefit options, retirement resources, protection solutions, and specialized business opportunities.
Employer Benefits & Workforce Solutions
BNT Financial helps employers evaluate benefit strategies designed to complement existing benefits, support employee well-being, improve communication, and strengthen recruiting and retention.
- Employee healthcare benefit strategies
- Preventive-care and wellness solutions
- Supplemental benefits and living benefits
- Section 125 benefit strategies
- Employee financial wellness and education
- Recruiting and retention support
A Different Approach to Employee Wellness and Benefits
Employer wellness and benefit solutions that can be evaluated for preventive-care access, employee engagement, workforce value, and potential payroll efficiencies where appropriate.
- Preventive healthcare access
- Telemedicine and wellness resources
- Employee health engagement
- Recruiting and retention
- Integration with existing employee benefits
- Potential Section 125 payroll efficiencies
- Employee education and enrollment support
Compliance note: Program availability, benefits, tax treatment, and potential savings depend oneligibility, plan design, and employer circumstances. Employers should review tax, legal, andbenefit-plan considerations with the appropriate advisors.
Healthcare Benefit Solutions
Alternative solutions for employers, individuals, and families, including the newer healthcare programs BNT Financial represents.
- Employer healthcare alternatives
- Preventive services
- Telemedicine
- Prescription benefits
- Healthcare navigation and advocacy
- Options for individuals, families, and self-employed professionals
Alternative Business Financing
Business Funding Through David Allen Capital
As an Independent Broker with David Allen Capital, Brian Murrell helps business owners explore alternative business financing options for working capital, expansion, equipment, inventory,marketing, payroll, and other operating needs.
- One application with access to multiple funding possibilities
- Fast preliminary decisions for qualified businesses
- Working-capital and revenue-based financing options
- Funding for expansion, equipment, inventory, marketing, payroll, and other business needs
- Alternatives for businesses that may not fit traditional bank lending requirements
Disclosure: BNT Financial and Brian Murrell may act as an independent referral or brokerageresource for third-party business financing providers. Financing is subject to underwriting,eligibility requirements, approval, applicable terms, and provider availability. No financingapproval, amount, rate, or specific terms are guaranteed.
Retirement Solutions for Teachers & School Employees
Understanding 403(b) Options
We help educators understand how workplace retirement benefits fit with pensions, Social Security considerations, personal retirement savings, protection strategies, and retirement-income planning.
- 403(b) retirement plans
- Contribution and savings strategy
- Existing retirement accounts
- Pension coordination
- Social Security considerations
- Retirement-income planning
- Living-benefit and protection strategies
Retirement Solutions for Municipal & Public-Sector Employees
Understanding 457 Retirement Plans
Help municipal and public-sector employees understand 457(b) plans, pensions, Social Security considerations, retirement-income planning, and how employer-sponsored benefits may work together.
- 457(b) retirement plans
- Existing retirement accounts
- Contribution strategies
- Pension benefits
- Social Security considerations
- Retirement-income planning
- Employee financial-education opportunities
Social Security Planning
RSSA® Social Security Analysis
As an RSSA® Registered Social Security Analyst®, Brian Murrell helps individuals and families better understand claiming options and how Social Security may interact with the rest of their retirement strategy.
- When to begin benefits
- Spousal benefits
- Survivor benefits
- Working while receiving Social Security
- Tax considerations
- Coordination with pensions and retirement accounts
- Common claiming mistakes
Business Owner Tax & Retirement Strategies
Tax efficiency, retirement preparation, employee retention, executive benefits, and long-term financial security.
412(e)(3) Fully Insured Defined Benefit Plans: For qualifying businesses seeking to evaluate potentially larger deductible retirement contributions through fully insured plan designs.
162(a)(1) Executive Bonus Strategies: For employers considering additional benefits for selected executives or key employees.
SETARA: Self Employed Tax and Retirement Analysis for qualifying self-employed professionals and S Corporation owners.
Employee Retirement Strategies: Approaches designed to help employers attract, retain, and reward valuable employees.
IEEPA Tariff Recovery
A specialized review for U.S. importers that may have potential recovery opportunities, subject to specific entries, dates, legal requirements, filing deadlines, and government or court actions.
- Review of potentially eligible import activity
- Identification of qualifying entries
- Entry-summary analysis
- Recovery opportunity assessment
- Coordination with customs brokers and trade professionals
- Contingency-based recovery options where available
No refund or recovery is guaranteed.
Business Tax Credits & Cost-Savings Opportunities
- Research & Development tax credit opportunities
- FICA Tip Credit opportunities for qualifying businesses
- Payroll-related efficiencies
- Employee-benefit cost strategies
- Retirement-plan opportunities
- Workforce retention strategies
Living Benefits & Financial Protection
Explain that certain life-insurance strategies may provide access to living benefits when qualifyingevents occur, in addition to a death benefit.
- Chronic illness
- Critical illness
- Terminal illness
- Income protection needs
- Family protection
- Business-owner protection
- Legacy planning
Strategic Business Resources
BNT Financial can help identify specialized resources and connect business owners with appropriate solution providers when needs extend beyond one core service.
- Employee benefits
- Healthcare
- Retirement strategies
- Tax incentives
- Tariff recovery
- Business funding
- Financial wellnessBusiness growth resources
