I. Introduction

Lawrence Advisory Services was founded by Toby Lawrence, a CPA with over 30+ years of experience working in or consulting with banks and credit unions all over the United States. Toby has been a bank president and CEO, a senior partner and owner in two national CPA and consulting firms and has served well over 150 different financial institutions in his career. He has also served banking regulatory agencies such as the Federal Deposit Insurance Corporation, the former Resolution Trust Corporation, and the Federal Finance Housing Agency that oversees the Federal Home Loan Bank system, Fannie Mae, and Freddie Mac.

The firm offers its clients the personal touch and expertise of a seasoned consultant with over 30 years of experience.

The firm also provides internal audit, model validation services, and directors’ examination / supervisory examination services.


II. What We Offer

More experience and expertise
All of our consultants have at least 10 years of experience working in or serving financial institutions.

Depth of resources
Because we have the relationship with BDO, we have both local and national resources. If you have an opportunity you want to take advantage of or a problem you need to resolve, we have the expertise and resources to help you.

Friendly and timely service
We understand how important our client relationships are. We are friendly, always meet our agreed upon deadlines, and provide high quality and valued added service. We believe our clients are like our business partners because the more we help you succeed, the more successful we are.

Better value
We are less expensive than a typical national or regional professional services because we don’t have the overhead they do. We also have more resources and better expertise than most local firms.


III. Alliance


Through one of the country’s leading providers of bank owned life insurance (BOLI) and credit union owned life insurance (CUOLI), Meyer-Chatfield, we can provide you with access to BOLI and CUOLI products that should increase the yields on your investment security portfolio 200 to 300 basis points on a pre-tax basis.

Meyer-Chatfield also has some propriety solutions to assist banks and credit unions significantly reduce or eliminate the liability associated with senior executive deferred compensation plans and reduce the cost of these plans.

This alliance is the only formal relationships that Lawrence Advisory Services has. We do not accept any commissions or referral fees from any other vendor that we may refer to you

Lawrence Advisory Services has an alliance with Meyer-Chatfield