D. John Gagnon

John has almost thirty years of experience in the executive benefits area and bank and corporate-owned life insurance. From 1997 through 2004 he was the President and Chief Executive Officer of a USI’s executive benefits practice. Since that time he has been a consultant to banks…


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John Waters, CLU, ChFC

John has over twenty-five years of experience designing, implementing, and administering executive compensation and benefit plans. His specialty areas include Bank-Owned Life Insurance (BOLI), Deferred Compensation and Split Dollar plans. He also has extensive knowledge in working with tax-exempt…


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