Baycrest Consultants working with Private Clubs!

October 31, 2025

Fort Myers, FL 

As the golf season in the midwest and northeast officially ends today, here's scenario for our GM's, Directors of Golf and Directors of Agronomy to think about for their partnership with their respective clubs.  

🎯 Here’s how Baycrest Consultants helped one of their GM’s earning a $750K Salary and created a Win-Win for the Club and Himself 🎯

The private California club recently turned the punitive 46% tax bite on their high earners into a bonus for everyone—using what we call the “Endless Money Loop” plan:

· Traditional Compensation Route: GM makes $750K → only 54% of the $250K over $500K is kept ($130K net). 

· Endless Money Loop Approach: GM defers that $250K into a split-dollar life insurance policy funded by the club. 

· No immediate income tax on the $250K 

· After 90 days, the GM can access 60% of it tax-free ($150K) 

· That’s +$20K net take-home pay—and zero extra cost to the club! 

· Plus, instead of a pure expense, the club now owns a long-term asset (they’ll recoup the $1.25M over 15 years or at the GM’s passing). 

Result: 

✅ GM boosts liquidity and a tax-free retirement planning

✅ Club converts compensation spend into real balance-sheet value 

✅ No change to the club’s cash outlay—just smarter structuring 

Innovation in executive pay is here. Ready to see how the Endless Money Loop could work at your organization? info@baycrestconsultants.com for a free consultation. 

#ExecutiveCompensation #TaxStrategy #LifeInsurance #FinanceInnovation #WinWin #EndlessMoneyLoop