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Corporate Benefits

POWERFUL, PRE-TAX SOLUTIONS

Explore the best of both retirement plan worlds for your business!


Imagine combining the substantial benefits and tax deductions of a Defined Benefit (DB) plan with the adaptability of a Defined Contribution plan, like a 412(e). A DB plan involves a pre-tax deduction into a separate legal entity designed for the well-being of employees and owners, offering considerable flexibility in its design.

Cash Balance Plan

A dynamic "hybrid" option allows the inclusion of marketable securities alongside traditional risk-free insurance-based assets.


412(e)(3) Plan

Often referred to as a "fully insured plan" or a traditional pension. This plan is exclusively funded with insurance products like annuities and life insurance. Unlike cash balance plans and 401(k)s, 412 plans have significantly higher contribution limits due to the riskless nature of their IRS-mandated fulfillment vehicles.



Defined Benefit Plans represent a unique opportunity for business owners to achieve retirement goals without exposing the principal to stock market risks. Find the perfect blend of flexibility and security for your retirement strategy!


Benefits

Reduce corporate tax liability

A pre-tax deduction for business owners who contribute to a plan with superior benefits compared to a traditional 401(k). Defined Benefit Plans allow for both significantly higher contribution amounts and incorporate more advanced investment strategies with significant tax-savings mechanism (workouts from the plan). As a result, the company stands to gain approximately a 40% deduction for every dollar allocated to the plan. 


Maximize annual retirement funding

Integrating a Defined Benefit (DB) plan with a traditional 401(k) allows for a substantial boost in contribution limits for both business owners and key employees. In contrast to a 401(k), an insurance-based retirement strategy has the potential to generate after-tax cash flows that are often at least 42% higher in retirement.


Employee acquisition & retention

A properly structured plan can help reward and retain employees after service requirements are met while creating added-value employer benefits to hire top talent.


Build personal assets

Numerous deductions, encompassing professional services, depreciation, and employee health care, serve as essential tools for managing corporate expenses. A Defined Benefit (DB) plan strategically allocates funds toward acquiring a durable, tax-conscious, appreciating assets. This approach enables you to compensate yourself rather directing those funds to either the IRS or incurring liabilities to decrease your tax bill.


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