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EMPLOYEE RETIREMENT BENEFITS

 

• 401(k)
• Roth 401(k)
• SIMPLE IRA  
• Profit Sharing and Pension Plans
• ESOP
• SEP IRA

 

“SELECTIVE” EXECUTIVE BENEFITS 
 
• Executive Nonqualified “EXCESS” Plan
 Allows contributions in excess of qualified plan limits on a pre-tax basis for highly compensated employees.
  
• Executive Nonqualified Defined Benefit Plan
 Nonqualified defined benefit deferred compensation plan where the employer promises to provide a supplemental retirement benefit for a select group of management or highly compensated employees.

• Disability Income Insurance
• Income protection above group LTD benefits.

· Business overhead expense and loan protection.
• Buy-out funding for owners.
• Key Person protection.
• Retirement trust funding for qualifying individuals.  
• Executive Bonus
 Allows after tax contributions in addition to qualified plan contributions to finance individually owned asset.  Contributions can be treated as taxable bonus or dividend.  Product values may be accessed to supplement retirement income.


• Key Person Coverage
 Provides a business with protection against the untimely death or disability of a key person.
  
• Buy-Sell Funding
 Provides dollars at the death or disability of an owner to satisfy contractual obligations.

 

WEALTH TRANSFER PLANNING
 
•  Business Owner/ Key Employee Estate Planning
 Minimize estate shrinkage through utilization of tax and gifting strategies. 
  
• Business Exit and Succession Planning
 All owners will leave their businesses either through a planned sale or an unexpected death or disability.  Planning for these situations helps to ensure the long term viability of the business.
• Long Term Care Insurance 
 Protects estate assets and income from the rising costs of Long Term Health Care.  

 

HEALTH INSURANCE RESOURCES FOR BUSINESS OWNERS

Due to the complexity of the Affordable Care Act and its impact on business owners, we strive to provide our clients additional professional resources such as our friends at Jones Insurance Agency. They can offer a personalized consultation to determine customized health insurance options that may be appropriate for your business.  To learn more about Jones Insurance Agency and their health insurance expertise, visit them here.