Red Oak PFS creates financial solutions for clients yielding benefits from retirement to life insurance to employee retention. Regarding business entities, Red Oak PFS helps companies retain their very best talent, with an exclusive employee retention strategy geared to provide those select employees with tax-free income for life. Employers may offer that exclusive benefit with very little to no out of pocket cost. We call it giving a company the opportunity to "re-recruit their top talent." Our program is very different from the standard corporate reward plan. We can provide an individually tailored offering to significantly improve the overall company reward plan. The overarching purpose of our design is to attract, retain, and reward critical talent. Highlights of our program include: * Attraction/Retention: For selected key executives, managers, potential new hires, and prospective acquisitions the company may be considering (vesting period of roughly 7-10 years) * Significant tax-free retirement income for participants * No cash outlay by the participants due to our unique financing structure * Tax-free death benefit proceeds that may be shared by the company and the participant's beneficiary(s) In short, our program provides companies with a meaningful competitive advantage to attract/retain talent; as well as the ability to sweeten potential acquisition terms via reduced purchase cost Regarding individuals, Red Oak PFS can provide uniquely tailored strategies for a secure tax-free retirement income stream for life, for estate planning purposes, and for charitable donor contributions