Stephen Karam, AIF, REBC, Principal

Meet Stephen Karam, AIF, REBC

The principals of Karam Financial Group bring over 75 years of combined experience in designing executive and corporate benefit plans that address the needs of your organization. Our experience spans all types of organizations – both profit and nonprofit, public and private.

Through customized strategy and extensive experience, Karam Financial Group delivers more value to your plan. Whether you are evaluating the effectiveness of your current benefit plans or establishing a new one, we are qualified to assist you.

We would love to hear from you.

Insurance and benefits can be complicated, we can help.


Solutions from consulting through management.

A successful employee benefits program requires knowledge, planning, and execution of many components.

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Case Studies on how we help clients like you.

Explore our case studies to see how we are helping clients control costs and increase employee satisfaction.

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Compliance bulletins to simplify complex topics.

Read our health care reform bulletins to gain an understanding on how recent legislation affects your benefits program.

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Karam Financial Group
Case Studies

Download A Whitepaper

If you are a business owner with 100 or more employees at the beginning of a plan year, you may be required to file an annual report with the Department of Labor/IRS. This “Form 5500” contains information about the plan and includes disclosure of all commissions and fees received by those who provide services to insured plans. Failure to file these forms by the required deadlines could result in substantial penalties.