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Plan Types

Designing the appropriate type of retirement plan takes many factors into consideration, including:

  • The business owner's goals for the plan..
  • The size of the business.
  • The age of the owners and key employees.
  • The number of employees.
  • The amount of money owners can contribute on an annual basis
  • Whom the business wants to benefit with the plan, and other numerous factors.

For example, if your company has mostly young people, including the owner(s), you may want to consider a 401(k) plan that allows employees to contribute pre-tax money to the plan. The company can provide what is known as a "match" each year if desired.

Or, if your firm has consistently stable profits-plenty of money to provide contributions each year, and your owners are getting on in years, you may want to consider a defined benefit plan. Employees cannot make pre-tax contributions, but the older employees can benefit greatly since the formula weighs heavily on the years left until retirement.

Qualified Plans
Simplified Employee Pension (SEPs)
Non-Qualified Plans
Section 125 / Cafeteria Plans

 

 

 

 

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