Stewardship for Organizations Built Around a Mission
Non-profits carry fiduciary responsibility without a corporate finance team. Boards rotate, reserves must last, and funding can be uneven.
Our view
Pacific Advisory Group helps build the governance, reserves, and benefits programs that keep your organization stable. The right structure depends on your tax status and entity type, so we work alongside your CPA and counsel from the start.
Publicly Supported
Organizations funded broadly by donors, grants, or the public face reporting expectations and donor scrutiny. We focus on transparent governance, documented investment policy, and reserve planning.
Privately Funded or Member-Based
Organizations funded by a small group, dues, or related entities have different requirements and often multiple affiliated entities. We help coordinate policies, controls, and reserves across them.
How PAG Helps
| Area | How PAG Helps |
|---|---|
| Governance & fiduciary process | Investment policies, committee charters, and documented fiduciary process that survive board turnover. |
| Reserves & cash flow | Cash flow modeling, tiered reserves (operating, strategic, long-term), spending policy, and revenue diversification. |
| Taxation of investment income | Tax-aware planning coordinated with your CPA, since treatment varies by organization type. |
| Risk review | D&O, fidelity, cyber, and event liability coverage evaluated for gaps and overlap. |
| Property & capital projects | Refinancing analysis, capital campaign planning, and independent review of outside real estate offers. |
| Retirement & Executive Programs | Design and review of 401(k), 403(b), 457(b), and 401(a) plans, depending on your organization’s type and eligibility; cash balance plans; ERISA 3(21) and 3(38) fiduciary support where ERISA applies; and executive retention programs. Implementation through our affiliates as needed. |
| Insurance & Employee Benefits | Needs analysis and program design for group health, life, and disability coverage, including business overhead expense where applicable, and related employee benefits. Placement is available through our affiliate Pacific Risk Management Group. |
| Investment Portfolio Types | A range of portfolio types matched to your goals, risk tolerance, time horizon, and expectations, from growth-oriented to principal-focused. Management is available through our affiliate The Pacific Group. |
Let’s Talk About What’s Next
Start with a confidential conversation. We’ll review where you are, show you your options, and you decide what comes next.