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Do you own you a small business?

Are you paying more than your fair share in taxes?

Did you know you may be entitled to save up to $195,000 pre tax?

 

The IRS tax code 412(e)(3) says you have the right!

This is not a product!  It is a 412(e)(3) Defined Benefit Plan!

 

Other hard to believe benefits!

Sell the business, take the plan with you!

File for bankruptcy; keep the money in the plan.

Pass away, your family receives the proceeds.

Need a loan, It is your money!

 

Are you a candidate?  Let’s check!

A defined benefit plan is the only tax-qualified retirement plan

that allows a participant to accrue a benefit that has a value exceeding

 $50,000 in 2010. However, as plan contributions are required once a

benefit is accrued, it is very important to make certain that this

type of plan is suitable.

 

The ideal participant:

          • Is a “Baby-boomer” (Age 45 – 65) 
          • Has stable income and profitability
          • Is older than most other employees (if any)
          • Can make a multi-year commitment to increased contributions

There are 3 different plans, per IRS code.

Plan Type

# of employees

Risk Tolerance

Plan Funding Vehicles

412(e) Fully Insured Plans

1-5

Low

  • Fixed Annuity
  • Whole Life Insurance

430(d) Defined Benefit

1-9

Low / High

  • Guaranteed Insurance Contract
  • Fixed Annuity, Universal Life
  • Whole Life

Cash Balance

5-50

Modest

  • Guaranteed Insurance Contract
  • Universal Life
Contribution Limits grid

 

877-220-1089

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