Retirement Planning
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Employer sponsored retirement plans are among the most important benefits you can offer to your employees. A carefully constructed retirement plan will help you attract and retain the best employees, create a positive attitude in your workplace, offer your company a significant tax deduction, and if constructed properly it can provide a comfortable retirement for you and your employees.

The problem is that very few retirement plans utilize any advanced knowledge of investments or plan designs. If you think that all retirement plans are the same, you owe it to yourself to give us a call. Most people believe that the most you can defer into a qualified retirement plan is $14,000. This is simply not true. We have designed many 401(k) plans that allow the owners and key employees to defer more than $40,000 annually. Just imagine how much faster you would be able to achieve your retirement goals at that rate. We have created many plan designs that are even more advanced that allow owners and key employees to defer over $100,000 each year inside of a qualified retirement plan. If you don't think it is possible, please give us a call and allow us to illustrate for you some of these cutting edge plan designs to demonstrate how they would drastically improve your existing plan. We are experts in all forms of qualified retirement plans whether they are Profit Sharing, 401(k), 403(b), 412(i), Defined Benefit, Cash Balance, etc. If you allow us to demonstrate our capabilities, we are certain you will understand how we have been able to maintain 100% client retention.

Through our expertise as institutional investors, we have established relationships with many of the best money managers in the world. These are the same money managers that invest for major corporations, private university endowments, international non-profit organizations, professional athletes, and entertainers. In the past, access to these same money managers was limited to a select group of investors with $10 million or more in assets. However, due to our existing relationships, improved technology, and our ability to service your accounts, you can now access these same money managers for far less than ever before.

We are able to take 401(k) plans to a level that most business owners never knew existed. By utilizing various advanced plan designs we are able to maximize the amount that owners and key employees are able to defer for themselves on an annual basis. The increased flexibility of our plan design allows our plans to easily adapt to the rapidly changing employee demographics of your company and to further skew maximum benefits in the direction of the owner(s) and other highly compensated employees.

Our independence allows us to represent many of the best 401(k) providers. We will select for you the 401(k) provider that best meets your needs and can often times work with the provider you already have in place. The plans that we propose offer from 1-50 of the best mutual fund families and from 8-80 of the best performing mutual funds with expenses well below the industry average. We will work with you to create a plan that you and your employees will be excited about regardless of the size of your company or the investment background of your employees.

Please give us a call and allow us to offer you a second opinion on your existing 401(k) plan. We will gather some basic background information which will enable us to create an illustration to demonstrate the advantages of our advanced plan designs. This analysis is absolutely free and puts you under no obligation to work with us in the future. We hope that after you see the level to which we can elevate your existing plan, you will become valued clients.

A 403(b) is a tax-deferred investment and savings program for employees of certain tax-exempt employers. It allows employees of hospitals, educational institutions, and other non-profit organizations to save and invest for their own retirement. Both the contributions and the investment earnings can grow tax-deferred until withdrawal at which time they are taxed as ordinary income.

All of the plans we have discussed so far are classified as defined contribution plans because you are only certain of the amount you are deferring into the plan. The amount you take out of the plan is based on investment performance, time horizon, and the level of risk that you are exposed to. In a defined benefit plan, you are able to set a goal for how much you need to live on after retirement and are then able to put enough money away in order to achieve that goal. Defined Benefit plans are most advantageous to groups of individuals with high salaries and a relatively short time horizon. If you or your employee group fit this description there is an excellent chance that you would be able to put significantly more money into a Defined Benefit plan than a Defined Contribution plan. Like any retirement plan, it is important that you work with us to determine what type of plan is best for you.

A 412(i) Plan is a retirement plan designed for small business owners who would like to contribute a very significant amount of money toward their retirement goals with the simplicity of a non-actuarial defined benefit plan. Due to the fact that 412(i) plans are exempt from the minimum funding requirements of section 412 of the Internal Revenue Code, many businesses are taking advantage of the 412(i) plan structure in order to defer amount up to and exceeding $300,000. However, there is a great deal of flexibility to defer less than the maximum limits and the actual limits for each participant are based on the demographics of the company.

The 412(i) plan favors older business owners and allows significantly higher deferral limits for them and higher tax deduction for their businesses. These types of plans are usually more advantageous to smaller companies (<10 employees) and companies with a high percentage of Highly Comensated Employees (HCEs).