Ken Holtzman

Benefits Consultant

Phone: 248-488-7152
Fax: 248-442-5010
E-mail: kholtzman@raiderdennis.com

Kenneth L. Holtzman, CLU, ChFC,
REBC, RHU
&
THE BIRMINGHAM BENEFITS GROUP, INC.
 

Who we are:

Birmingham Benefits Group, Inc.  
Our firm has done work since 1974, for many small and medium sized corporations, along with their executives.  We have assembled professionals with a broad range of financial skills and specialties which are necessary to untangle the maze of rules and regulations that exist in the government and business climate as they relate to employee benefits.  The Birmingham Benefits Group became affiliated  with The Raider Dennis Agency, Inc. in 2009.

Kenneth L. Holtzman, CLU, ChFC, REBC, RHU
Ken Holtzman is President and organizer of The Birmingham Benefits Group, Inc., a Farmington, Michigan employee benefit sales and consulting firm.  He is a graduate of Wayne State University School of Business.  Prior to entering the Life Insurance Industry in 1974 he held positions in sales, marketing and advertising.

As a Chartered Life Underwriter, Chartered Financial Consultant, Registered Employee Benefits Consultant and a Registered Health Underwriter, he is active in sophisticated underwriting areas.  He is a founding member of the Association of Health Insurance Agents (AHIA).

Experience:
The Birmingham Benefit$ Group, Inc. began in 1976.  About 1% of licensed agents work fulltime in benefits.

For Seniors and Other Individuals:
Medical, Life, Disability Insurance analysis, Estate
Planning, IRA’s, Annuities, Long Term Care,
Life Settlements*, Medicare, Medigap and Part D (RX) Planning. 

*Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements.  The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sell of a Life settlement.                                         

For Employer Groups:  
Group-Medical (insured, self-insured, HRA’s, 
HSA’s, FSA’s, PPO’s & HMO’s),
Dental, Vision, Life, AD& D, Short Term                  
Disability, Long Term Disability & Voluntary
Benefits.  Cafeteria/Flexible Benefit Plans, 
Employee Benefit Communications, Group
Life Carve Outs, all types of Qualified & Non-
Qualified Retirement plans.

For the Business:
Funded Buy/Sell Arrangements, Key Person Plans,
Split Dollar Plans*, Deferred Compensation Plans,
Supplemental Retirement Plans, Disability Income
and Structured Annuities.

*Split-Dollar Insurance is not an insurance policy; it is a method of paying for insurance coverage. A split-dollar plan is an arrangement between two parties that involves "splitting" the premium payments, cash values, ownership of the policy, and death benefits.  Splitdollar arrangements are subject to IRS Notice 2002-8 and Proposed Regulations that apply for purposes of federal income, employment and gift taxes.

For Retirement & Tax Savings:
Design, implementation, communication &
investment of:  Safe Harbor Cross Tested 401K/
Profit Sharing Plans, 412e Defined Benefit Pension    
Plans, Cash Balance Plans, Defined 
Benefit Pension Plans, Profit Sharing Plans   
(including 401K), SEP’s (Corporate IRA’s),
Simple IRA's, Simple 401K’s, Terminal Funding
Distribution Planning.
  

For the Executive:
Life, Medical & Disability Insurance Analysis, Estate Planning, Charitable Giving, IRA’s, Annuities, Long Term Care, and Life Settlements*.

*Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements.  The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sell of a Life settlement.

Where can you find us?
Our offices are located in downtown Farmington on
Grand River Ave. two blocks southeast of
Farmington road.
     
32770 Grand River Ave., Suite B200
Farmington, Michigan 48336-3159
Phone (248)442-5000 x230   Fax (248)442-5010
kholtzman@raiderdennis.com