Mike Scully - Managing Director tells the story of a great Head Professional from New Jersey!

 Atlanta, GA 

Mike Scully - Managing Director tells the story of a great Head Professional from New Jersey!

Golf Course Employee Life Changed by the Endless Money Loop

Jessica had been the head golf pro at a Private Club in New Jersey for eight years. She loved teaching juniors on the range and organizing Club tournaments, but lately, she’d grown weary of her paycheck.

Her salary looked fine on paper. But by the time New Jersey’s income taxes and federal taxes took their share, Jessica often felt like she was working harder each year just to tread water.

When the club introduced The Endless Money Loop, Jessica was skeptical. Life insurance? Compensation restructuring? It all sounded too complicated. But when she sat down with the Baycrest Consultants, the story started to click.

Instead of just receiving every dollar of her pay as taxable W-2 income, a portion of Jessica’s compensation would be routed into the EML structure. That money would fund a permanent life insurance policy—owned in a way that Jessica could access later.

In New Jersey’s high-tax environment, the shift was dramatic. The dollars in the EML plan weren’t immediately chewed up by state and federal taxes. Instead, they grew tax advantaged. 

Jessica realized that while her colleagues outside of EML were watching their paychecks shrink under the weight of taxes, she was quietly building a reservoir of value. Over time, she could access the policy’s cash values tax-advantaged. It wasn’t just about retirement either—if she needed funds for family expenses, tuition or opportunities along the way, EML offered flexibility.

What struck her most was portability. Unlike the club’s 401(k) or other traditional benefits tied to her employer, EML was hers. If she moved to another club—or another state—she took the benefit with her.

By her fifteenth year at the club, Jessica had a choice. She could continue building the plan, or she could access it strategically to create supplemental income. Either way, she had a cushion that her peers without EML lacked.

In a state like New Jersey, where every paycheck feels like a battle against taxes, EML gave Jessica a way to fight back and win.  If you are feeling the pains Jessica felt, please contact us at info@baycrestconsultants.com.  For more information, www.baycrestconsultants.com