Capital Reserve Planning

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Contact Rich Chapman for more information on Capital Reserve Planning

Most companies carefully measure the timing and magnitude of future capital claims.  During periods of sustained profitability, these claims can generally be satisfied on a pay-as-you-go basis using annual free cash flow. However, the long-term sustainability of any company can be threatened by a change in business conditions caused by a recession, project challenges, or shifting competitive dynamics.  While certain risks can be mitigated through structure and innovative design, an appropriate funding vehicle can often lower a company’s risk profile and help ensure its long-term sustainability.

  • For the privately held company, we conduct a thorough assessment of ultimate ownership continuity objectives, alternative legal structures, capital allocation strategies, and projected liquidity needs. This analysis provides stakeholders with an informed view of the financial impacts of various strategic paths and assists in developing funding and capital reserve strategies to achieve the desired end in mind.
  • For an ESOP-owned company, the repurchase obligation (RO) is a unique claim on future cash flow.  We help our clients hedge against this long-term risk by integrating the projected RO liability into a long-range financial forecast and procuring an efficient funding vehicle.
  • For banks and insurance companies, the impact of post-retirement benefit obligations (both qualified and non-qualified) can be effectively mitigated using Bank-Owned and Insurance Company-Owned Life Insurance vehicles.

Chartwell’s approach results in a dynamic, interactive analysis that provides decision makers and fiduciaries with a robust and relevant analysis, and an informed view for making long-term capital allocation decisions.

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Rich Chapman

Rich Chapman
Managing Director


Rich leads Chartwell’s Capital Reserve Planning client engagements.  He is a nationally recognized authority on the use of funding strategies to manage long-term corporate liabilities and risk events.  Rich is a frequent keynote speaker and is also a published author on the topics of leadership and character development.



Rich is an active member of The ESOP Association and the National Center for Employee Ownership.  He is a registered representative with Valmark Securities and holds FINRA Series 6 and 63 licenses.



Rich joined Chartwell following a 25-year career with Clark Consulting, where he served as CEO of the banking industry’s largest distributor and administrator of executive benefit plans and Bank Owned Life Insurance programs.  Rich oversaw all operations, guided a national sales organization that placed over $50 billion in premiums, and also helped lead his company to a successful public offering.  He then went on to consult with privately held middle-market companies by equipping executive leaders, building healthy corporate cultures, and inspiring growth through the pursuit of personal excellence.


Rich is a graduate of Augustana University, where he earned a double major, with honors, in mathematics and business administration.  Rich was an All-America basketball player and has been honored by the NCAA for his success in athletics, business leadership, and community service.  Rich is also a frequent keynote speaker and a published author of two books, All-Pro Wisdom: The Seven Choices That Lead to Greatness and The Greater Game, which he developed in conjunction with the National Football League.


Securities offered through ValMark Securities, Inc. Member FINRA, SIPC  | 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431

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