O.M. Financial Group

WHO WE ARE

Management Team

Joe Malouf
dfmalouf@dfmfingroup.com

A veteran of 40 years in the insurance industry, Joe specializes in advanced underwriting programs for groups, associations, financial institutions and non-profit organizations. During his career, Joe has been instrumental in creating new and unique products that help companies take advantage of opportunities in the tax code. These include products designed for use with split-dollar and deferred compensation plans.

In 1999, Joe formed O.M. Financial with Bill O’Connell to provide community banks, credit unions and other organizations with supplemental executive retirement programs. Joe has earned the designations of Registered Health Underwriter, Registered Employee Benefits Consultant, and Certified Family Business Specialist, and is certified in Long Term Care.

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Bill O’Connell
billoconnell@omfingroup.com

Bill has worked in senior management in the insurance industry for over 45 years. His resume includes leading the formation of a life insurance company for the Providence Washington Insurance Group, before becoming its president and CEO.

In 1999, Bill teamed with Joe Malouf to form O.M. Financial. For the past decade, O.M. Financial has provided community banks, credit unions and other organizations with customized supplemental executive retirement programs. These programs have been very successful in helping O.M. Financial’s clients attract, retain, and reward key executives.

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Phil Bieluch, FSA, MAAA, FCA, Consulting Actuary

With over 35 years experience as a consulting actuary, Phil is an expert in life insurance and annuities, as well as the financial analysis of insurance companies. He has extensive experience consulting with corporations on the purchase of life insurance on the lives of their executives. Phil is currently a member of the Section Council of the Futurism and Forecasting Section of the Society of Actuaries, and he is an often quoted industry analyst who has testified before the NAIC and state insurance department hearings. Phil has been associated with the principals of O.M. Financial for over 30 years.

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Bob Carney, Legal Counsel

Bob is a partner in Sherin and Lodgen LLP's Real Estate and Business Law Departments. He is experienced in all aspects of commercial real estate and finance, with particular expertise in acquisitions, sales, sale-leasebacks, leasing and development. Bob has assisted clients with nearly $500 million of sale-leasebacks transactions. Active in the legal community, Bob has served as a panelist/moderator on a variety of real estate programs offered by Massachusetts Continuing Legal Education, Inc., the International Council of Shopping Centers, the Real Estate Bar Association and the Massachusetts Bar Association.

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Steve Eimert, Legal Counsel

Steve is a partner in the Business Law department of Sherin and Lodgen LLP. He advises O.M. Financial and its clients on a number of matters, including sale/leasebacks, supplemental retirement arrangements and employee benefit pre-funding. He has worked with credit unions and the Massachusetts Credit Union League and its predecessor organization since 1987, and has spoken at conferences of the Massachusetts Credit Union League, CUNA and CUES. He is an Associate Member of the Massachusetts Credit Union League.

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Mike Sullivan, Legal Counsel

Mike is Of Counsel with Sherin and Lodgen LLP. A CPA, he provides income tax expertise across all segments of Sherin and Lodgen LLP's practice, with a concentration on tax issues affecting business entities and their related stakeholders, including owners and key employees. He has extensive tax experience in structuring supplemental employee benefit programs based on split dollar insurance arrangements for credit union executives, and has advised O.M. Financial and its clients in this area since 2005. Mike has given lectures and presentations to CUES, the Massachusetts Society of Certified Public Accountants, the Massachusetts Bar Association, Bentley College’s Annual Federal and State Tax Forums, The World Trade Institute, and other forums.

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Products and services offered are: NOT A CREDIT UNION DEPOSIT • NOT NCUA INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE CREDIT UNION • MAY GO DOWN IN VALUE.

O.M. Financial Group
Company Overview
Management Team
Associates
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