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Bishop & Finch

The Steward Program

Confidential Offering Memorandum
February 2026
Executive Summary

Two solutions. Zero cost.
One partnership.

Bishop & Finch partners with accounting firms, registered advisors, and strategic partners to deliver institutional-grade financial infrastructure to their enterprise clients. The Steward Program is a private offering consisting of two complementary solutions, both implemented at zero cost.

I.
Institutional Banking
Optimized payment infrastructure for clients with $1M+ monthly revenue. 33+ correspondent banking relationships. 98% authorization rate.
II.
The Financial Health Standard
Preventive health infrastructure for organizations with 50+ W2 employees. Compliant pre-tax structure. Zero cost to employer or employee.
Our Premise

Enterprise-grade infrastructure
should be accessible.

We operate as an extension of the advisory relationship, not a replacement for it. Our role is to provide the institutional backing, banking relationships, and operational infrastructure that allows firms to deliver measurable financial outcomes—without expanding headcount or operational complexity.

We succeed when our partners succeed.

Program Overview

Built on aligned incentives.

Both solutions are structured as zero-cost implementations, requiring no upfront capital. Value is realized through cost recovery and operational savings.

$0
Cost to Partner Firm
Lifetime
Compensation Duration
$0
Cost to End Client
Platform fees None
Integration costs None
Minimum commitment None
Solution I

Institutional
Banking

Strategic payment infrastructure for enterprise clients through 33+ correspondent banking relationships.

$1M+
Monthly Revenue Min
33+
Banking Partners
98%
Auth Rate
Solution I

Payment infrastructure,
institutionally optimized.

Solution Architecture
  • Institutional interchange optimization
  • Zero volume caps, reserve holds, or hidden fees
  • 33+ correspondent banking relationships
  • Integrated fraud mitigation & dispute resolution
  • Unlimited transaction scalability
Service Standard
  • Named relationship manager per client
  • 24/7 availability across all channels
  • Direct underwriting & risk advisory access
  • White-glove accelerated onboarding
98%
Authorization Rate
$100K+
Annual Savings (Min)
Solution II

The Financial
Health Standard

Preventive health infrastructure with tax-advantaged delivery for organizations with 50+ full-time employees.

$600
Employer Savings / Yr
$1,000
Employee Savings / Yr
$0
Cost to Employer
Solution II

Benefits that cost nothing.
Legally. Compliantly.

Preventive Health Services
  • 24/7 telemedicine (primary, urgent, behavioral)
  • 1:1 health coaching & preventive screenings
  • Employee Assistance Program integration
  • Personal health dashboard per participant
Tax-Advantaged Structure
  • IRC §125, §213, §105 compliant framework
  • Reduces employer FICA, FUTA, state payroll tax
  • Reduces employee federal & state income tax
  • Savings begin day one
$600
Employer Savings / Employee / Year
$1,000
Employee Savings / Year
Eligibility

Two pathways,
clear criteria.

The Steward Program serves enterprise organizations meeting the following thresholds. Organizations that meet either criterion may qualify.

I.
Institutional Banking
  • $1M+ monthly processing revenue
  • Established operating history
  • All verticals and industries
  • Domestic and international accepted
II.
Financial Health Standard
  • 50+ full-time W2 employees
  • US-based organization
  • Active payroll processing
  • Deploys alongside existing benefits
For Partners

Zero Cost.
Lifetime Value.

Passive, recurring compensation for the life of each client relationship. No fees, no minimums, no commitment.

$0
Cost to Partner
Lifetime
Compensation Term
You
Own the Relationship
Institutional Banking
% of net revenue from client processing volume
Financial Health Standard
Recurring per-capita fee based on enrolled employees

Accounting firms · Registered advisors · Family offices · Strategic partners

Positioning

Institutional solutions,
delivered under your brand.

Your clients see you — not us. The Steward Program lets your firm deliver enterprise-grade banking and benefits as its own advisory offering, while Bishop & Finch operates entirely behind the scenes.

Bishop & Finch operates in the background. The firm relationship remains primary.

Bishop & Finch
Institutional Banking & Standards info@bishopfinch.com bishopfinch.com
This document is for informational purposes only and does not constitute a guarantee of specific results. Performance benchmarks reflect typical client outcomes and may vary. Bishop & Finch reserves the right to modify program terms.
Begin

Let's build something
that endures.

Schedule a confidential 1-on-1 to learn how The Steward Program can elevate your firm's advisory offering.

Schedule a 1-on-1 →
Bishop & Finch