Change-in-Control Expertise

The Todd Organization assists financial institutions involved in mergers and acquisitions.  Whether your bank is making the purchase, or being bought, we will assess executive benefit obligations and the role that bank-owned life insurance has in financing these and other liabilities.

Mergers and acquisitions can present significant challenges with non-qualified supplemental retirement plans.  By placing a plan’s assets in a rabbi trust, executives can be assured that the benefits will not be arbitrarily rescinded by an acquiring bank, or by a new management group. 

Banks should fully understand the scope and cost of their executive benefits programs before receiving an acquisition offer, or even considering purchasing an institution. 

Acquirers need to understand the plan provisions and financing mechanisms of plans at institutions that they are buying.  This enables them to decide whether to continue these plans, when and if to terminate them, and how to consolidate these with plans that the acquiring bank may offer or may contemplate offering.

The Todd Organization works with banks on both sides of the merger and acquisition table, before, during and after transactions.  By anticipating and addressing problems, financial and administrative solutions are found and implemented.

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