Retirement & Benefits

Retirement Planning

We assist our clients with the selection and maintenance of one or more retirement plans that best serve their needs.There are myriad choices.Factors that affect the choices include whether to include rank and file employees in the plan, the type of business entity involved, the age and income or participants, and the desired amount of tax deductions for contributions to the retirement plan.Here is a partial list of the plans we work with:

  • IRA
  • SEP-IRA
  • Simple IRA
  • Keogh Plan
  • Defined Contribution Plan
  • 401(k) Plan
  • 403(b) Plan
  • Profit-Sharing Plan
  • Money Purchase Plan
  • Defined Benefits Plan
  • 412(i) Fully-Guaranteed Defined Benefits Plan
  • Private Pension Plans
  • ESOP (Employee Stock Option Plan)
  • LESOP (Leverage Stock Option Plan)

Executive Benefits

Executive Benefits can be designed for benefit of business owners, key employees, and other employees.The business owners can decide whether to grant executive benefits to all employees or only to select employees.

Executive Benefits can be used to reward business owners.Executive Benefits can also help you improve your ability to recruit, retain, and motivate high caliber managers and staff with special benefit plans.Here is a partial list of the Executive Benefits and Employee Benefits plans we work with:

  • Welfare Benefit Plans (“419A(f)(6) Plans”)
  • VEBAs (Voluntary Employee Benefits Association)
  • Salary Continuation Plans
  • Deferred Compensation Plans
  • Supplemental Executive Retirement Plans(SERP)
  • Executive Bonus Plans
  • Private Pension Plans
  • Income Deferral / 401(k) Mirror Plans
  • Executive Group Term Carve Out
  • Executive Long Term Disability Plans
  • Executive Long Term Care Plans
  • Bank Owned Life Insurance (BOLI)