Deluctus Insurance &
Financial Services

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Tax-Free & Tax-Efficient
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For-Profit Business
Charitable Remainder
Planned Giving

Deluctus Insurance &
Financial Services

Deluctus Insurance & Financial ServicesDeluctus Insurance & Financial ServicesDeluctus Insurance & Financial Services
Home
Our Mission
Our Expertise
Our Process
Strategic Retirement Plan
Living Benefits
Mortgage Protection
Final Expense
College Funding
Debt Elimination
Business Preservation
Business Strategy
Business Optimization
Business Debt Reduction
Key Person & Partnership
Executive Benefits
Non-Profit Financial
Tax-Free & Tax-Efficient
Non-Profit Staff Benefit
For-Profit Business
Charitable Remainder
Planned Giving
More
  • Home
  • Our Mission
  • Our Expertise
  • Our Process
  • Strategic Retirement Plan
  • Living Benefits
  • Mortgage Protection
  • Final Expense
  • College Funding
  • Debt Elimination
  • Business Preservation
  • Business Strategy
  • Business Optimization
  • Business Debt Reduction
  • Key Person & Partnership
  • Executive Benefits
  • Non-Profit Financial
  • Tax-Free & Tax-Efficient
  • Non-Profit Staff Benefit
  • For-Profit Business
  • Charitable Remainder
  • Planned Giving
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  • Home
  • Our Mission
  • Our Expertise
  • Our Process
  • Strategic Retirement Plan
  • Living Benefits
  • Mortgage Protection
  • Final Expense
  • College Funding
  • Debt Elimination
  • Business Preservation
  • Business Strategy
  • Business Optimization
  • Business Debt Reduction
  • Key Person & Partnership
  • Executive Benefits
  • Non-Profit Financial
  • Tax-Free & Tax-Efficient
  • Non-Profit Staff Benefit
  • For-Profit Business
  • Charitable Remainder
  • Planned Giving

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Executive Benefits & Owner-Centric Retirement Plan

Reward, Retain, and Retire on Your Own Terms

Traditional retirement plans fail business owners and key employees for one simple reason:

They weren’t designed with your success in mind.


Business owners need more flexibility.
Partners need more control.
Top talent needs more incentive.
And everyone needs more than a generic 401(k).


DeLuctus builds executive and owner-focused strategies that give you:

✔ Tax-free retirement income
✔ Liquidity when opportunities arise
✔ Corporate-funded compensation
✔ Retention and reward structures
✔ A plan built for your actual income pattern—not a W-2 employee’s

Strategies Designed for High Performers

We engineer solutions such as:

  • Executive bonus plans (162(e))
  • Golden handcuff retention packages
  • Partnership retirement plans
  • Non-qualified deferred comp
  • Overfunded IUL retirement systems
  • High-liquidity, high-control cash value plans
  • Pension-style defined benefit plans


These strategies give business owners what traditional plans never can:

Control. Flexibility. Leverage. Predictable income. Tax advantages.

The Freedom to Retire With Power—Not Pressure

Your retirement shouldn’t depend on the market or an outdated plan.


It should be built around the life you want, the business you’ve built, and the legacy you're creating. 


DeLuctus designs retirement systems that reward you for the risks you’ve taken and the empire 

 you’re building.

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