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Here are some common areas that successful business owners find themselves wanting information on:

  • Traditional Retirement Plan versus Nontraditional Plans
  • Defined Benefit Plans versus Defined Contribution Plans
  • 412 (e)(3) Defined Benefit Plans1
  • New Comparability Profit Sharing Plans
  • 401(k) Plans (including Safe Harbor Plans)
  • And more!

Every business owner owe to themselves to review their retirement plans to find the right program structure to fit their needs.

Questions to consider:

  • Does your business need additional tax deduction?
  • Is it costing you money NOT having a retirement plan?
  • Does your business have all the tax deductions it needs?
  • Do you have all the retirement income you need?
  • Are you looking for a way to attract and retain quality employees?
  • Already have a Retirement Plan?
  • Is it the right plan for your needs?
  • Are you satisfied with the fees and administration?
  • Do you have a large selection of investment options?
  • Are you satisfied with the return?
  • Has your plan been reviewed after the recent tax law changes liberalizing the rules for business owners and senior executives?
412(e)(3) Defined Benefit Plan1 – a good candidate for this plan design is an independent contractor with few employees (or none) who is earning a very high income.
New Comparability Profit Sharing Plans – works best when the business owner is older than most of the other employees.
Owner Only 401(k) Plans – if you are a small business owner with no employees and are looking for complete flexibility, an owner only 401(k) plan could be the solution for you.

A Customized Opportunity

Let us help you find a variation of these plan designs that could help you convert current taxes to assets, defer tax payments, and generate the retirement income you desire.
1The life and/or annuity insurance product(s) used to fund a 412(e)(3) plan must meet the regulations set forth in Internal Revenue Service Reg. Sec. 1.412(i).
Disclaimer: All plan designs are examined by a Third Party Administrator (TPA) and all plan implementations are subject to fees set forth by the TPA.