PROGRAMS, PRODUCTS & SERVICES

Corporate & Executive Services

For busy executives, the "best of both worlds" means running a business and managing your own financial assets. InterOcean can help. We offer a single source for your complex needs – from investment planning to stock repurchases. The key to our success – and yours – remains the one-on-one attention you get from senior investment professionals.

Corporate Services

Corporate Cash Management
Preserve wealth, achieve liquidity to meet planned and unexpected expenditures, and maximize returns: these are the three objectives we can help you achieve through better cash management.

Retirement Services
You want to do what’s right for yourself and your employees. But retirement planning is complex. We understand the ramifications − legal, regulatory, and HR − of the various options and can help you craft a retirement program that is appropriate and fair for all stakeholders. Our retirement professionals review plan documents, suggest alternative approaches, and can even communicate plan benefits to employees.

Corporate Share Repurchase Stock Option Plan
Companies repurchase their own shares for a lot of reasons: as an attractive investment alternative; for use in incentive compensation and employee stock programs; to achieve a favorable impact on their balance sheets; and as an alternative to a cash dividend. No matter what the reason, all these transactions have one thing in common: the need for a deep understanding of the rules that govern such activities and of favorable market opportunities for executing stock repurchases. That’s where InterOcean comes in; we can recommend the appropriate strategy for achieving your financial objectives.

Employee Stock Option Plans
Stock options are an attractive employee benefit. But designing and implementing a corporate stock option plan is a complex, long- term undertaking. We can help you evaluate various plan options and explain the benefits of the selected plan to employees. We can even help you develop hedging strategies that combine employee stock plans with corporate repurchase programs to minimize the impact of those incentive programs to the company.

Executive Services

Employee Stock Option Financing
We help executives exercise their employee stock options without any cash outlay. InterOcean simplifies transactions by enabling you to choose: hold the stock from the exercise of an option in your account or sell it immediately. And we help you evaluate alternatives for investing the proceeds. To relieve you of managing the details, we communicate directly with the company program administrator and the transfer agent.

Monetizing and Hedging Strategies
If you have equity in your company, you might want to monetize your position: what are the ramifications of a sale? Tax consequences alone require a lot of forethought. Our goal is to help you maximize the value of your restricted or low-cost basis stock. For example, in certain cases, we can structure a zero-cost collar, which requires the simultaneous purchase of a put option and the sale of a call option to form a "floor" and "ceiling" for the stock.

Financial Planning
Build a secure future, while minimizing the taxes that can erode the overall value of your assets – that’s the "best of both worlds" in financial planning. Our integrated approach to financial planning begins with an analysis of current and projected needs. For example, our retirement planning professionals can help you see whether your savings and investment strategies are going to deliver the dividends you expect. Our estate planning specialists design customize strategies for distributing assets in accordance with your wishes, while minimizing and some cases eliminating unnecessary state taxes and settlement costs.

Asset Management
The concept behind a balanced portfolio is this: as markets fluctuated, your portfolio holds steady. We offer a selection of sophisticated investment products, coordinated within a strategy designed to satisfy your goals, personal and financial, for both short-term reward and long-term, sustainable wealth management.

Do you want to know more about "balanced portfolios"? Click here.
Investment strategies for wealthy individuals – pros and cons. Click here.