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    Improving the bottom lines of banks and bankers.

Our Mission and Philosophy

The cornerstones of our philosophy are:


We treat our clients in the way in which we ourselves like to be treated while partnering together to achieve a common goal.

The mission of BFS, in keeping with our philosophy, is simple, we are committed to providing the best possible financial solutions and support services to our clients. We strive to not be just a vendor of financial products, but to be advisor that understand the needs of banks and bankers to enable us to provide the "right" financial products to help our clients reach their goals. First and foremost, we are committed to helping you attain your goals from increasing stakeholder value to providing financial security to your executives and employees.

Our understanding of the banking industry and its challenges is unparalleled in the industry, just ask our clients. Regardless of the challenges you face as a bank, BFS has the expertise to help you implement a comprehensive program that is beneficial to all of the bank's stakeholders.


By bringing together the best team in the industry, BFS has been able to create value and expertise for our clients that no other firm can match.

BFS is the only company in the industry that is able to represent all of the top mutual insurance companies. No other firm can do that. That means when we design the BOLI portfolio, you get to look at all the products out there. With other companies, you only see the ones they can represent. It’s a strong differentiator between BFS and other companies in the industry, and it’s critical in getting you the plan that’s best for you and your bank.

We have built a staff that includes accountants, regulatory attorneys, investment bankers, bank executives, bank directors and ex-regulators to ensure that every facet of designing your programs whether it is a BOLI purchase, Qualified or a non-qualified plan meets every expectation.