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Retirement Plans For Small Businesses

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Different Retirment plan options for Small Businesses

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Retirement Plans for Small Businesses Shares of Oppenheimer funds are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested. Peter G Langelier Registered Representative Great American Advisors, Inc.
45% retirement plan Only of companies with 99 employees or less offer a ,[object Object],Page RE0000.191.1208
Future Realities ,[object Object],[object Object],[object Object],[object Object],Page RE0000.191.1208
...that prevent business owners from establishing a retirement plan. Three Myths... ,[object Object],[object Object],[object Object],Page RE0000.191.1208
“ My business will subsidize my retirement.” Myth #1 ,[object Object],[object Object],Page RE0000.191.1208
Factors that May Affect the Value of Your Business ,[object Object],[object Object],[object Object],Page RE0000.191.1208
“ I can’t afford a plan.” Myth #2 ,[object Object],[object Object],[object Object],[object Object],[object Object],Page RE0000.191.1208
“ Employees want money, not benefits.” Myth #3 ,[object Object],[object Object],Page RE0000.191.1208
[object Object],[object Object],[object Object],What’s in it for you? Page RE0000.191.1208
1. This hypothetical example is not intended to show the performance of any Oppenheimer fund, for any period of time, or fluctuations in principal value or investment return. 2. Retirement assets are taxed when withdrawn. Withdrawals prior to age 59 ½ may be subject to a penalty tax in addition to ordinary income taxes. What’s in it for you? The potential for accelerated growth of savings due to tax-deferred compounding The illustration here shows how much faster money can grow in a tax-advantaged retirement plan relative to a comparable investment in a non-tax-favored vehicle. Assumes $100 of salary saved per month, 8% rate of return, 20-year savings period 1 . Page RE0000.191.1208 $59,308 $43,696 $32,759 $27,713 Retirement Plan 2 15% Tax Bracket 28% Tax Bracket 35% Tax Bracket
Page RE0000.191.1208 Total return for a particular period is the ending redeemable value of the initial investment at the end of the period shown, assuming reinvestment of all income during the period annually. Actual returns on any particular investment will depend on the particular market factors and risks applicable to that investment. A diversified portfolio does not guarantee greater returns than a nondiversified portfolio. Diversification through Mutual Funds ,[object Object],[object Object],What’s in it for you? Diversified Portfolio 1. This hypothetical example is not intended to show the performance of any Oppenheimer fund, for any period of time, or fluctuations in principal value or investment return. 2. Retirement assets are taxed when withdrawn. Withdrawals prior to age 59 ½ may be subject to a penalty tax in addition to ordinary income taxes. $100,000 Initial Investment $265,329 Total Return $100,000 placed in a single investment earning 5% a year for 20 years with no other changes to principal The same $100,000 split into five $20,000 investments, each earning a different rate of return (in one case showing a loss), for the same 20-year period $100,000 Initial Investment $534,946 Total Return $327,331 15% Return $134,549 10% Return $53,066 5% Return $20,000 0% Return $0 $20,000 Lost
Your Asset Allocation Mix ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Conservative Moderate Aggressive 0 – 5 Years (Short- term) 6 – 10 Years (Immediate-term) 10+ Years (Long-term) Time Horizon Risk Tolerance 10% 10% 40% 40% 5% 5% 10% 10% 35% 35% 10% 10% 10% 5% 40% 25% The sample portfolios are not intended to represent investment advice that is appropriate for all investors. This material does not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Each investor's portfolio must be constructed based on the individual's financial resources, investment goals, risk tolerance, investing time frame, tax situation and other relevant factors. Because each investor’s financial needs, goals and risk tolerance are different, you should work with your financial advisor to determine whether any of these funds are appropriate for you. The categorization of sample portfolios as “Conservative,” “Moderate” and “Aggressive” is relative. OppenheimerFunds does not recommend any specific asset allocations. 10% 5% 10% 10% 5% 30% 30% 15% 5% 15% 20% 5% 25% 15% 20% 10% 15% 20% 5% 20% 10% 15% 5% 15% 20% 5% 20% 20% 25% 15% 15% 20% 25% 30% 15% 25% 30%
[object Object],[object Object],[object Object],What’s in it for your business? Page RE0000.191.1208
[object Object],What’s in it for your business? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Page RE0000.191.1208
I’ve Already Got a Plan Why Change? ,[object Object],[object Object],Page RE0000.191.1208
Which Retirement Plan Is Best for My Business? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Page RE0000.191.1208
Comparing Plan Types Maximum Annual Contributions 2009 Figures do not include Catch-up contributions (where otherwise applicable) Page RE0000.191.1208 Compensation SIMPLE IRA SEP IRA Single K Single DB Plus $40,000 $12,700 $10,000 $26,500 $100,000+ common (depends on income, age, years to retirement) Annual benefit as high as $195,000 $80,000 $13,900 $20,000 $36,500 $120,000 $14,100 $30,000 $46,500 $196,000 $17,380 $49,000 $49,000
SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. The Savings Incentive Match Plan is for... ,[object Object],[object Object],[object Object],SIMPLE IRA Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],SIMPLE IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Two ways for employers to fund it ,[object Object],[object Object],SIMPLE IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Two ways for employers to fund it ,[object Object],[object Object],SIMPLE IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Major Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SIMPLE IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Considerations ,[object Object],[object Object],[object Object],SIMPLE IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],Simplified Employee Pension Plan (SEP) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Employer Contribution ,[object Object],[object Object],[object Object],SEP IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Major Benefits ,[object Object],[object Object],[object Object],[object Object],SEP IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object],SEP IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],Payroll Deduction IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Employer Contribution ,[object Object],[object Object],[object Object],Payroll Deduction IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Major Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Payroll Deduction IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Considerations ,[object Object],[object Object],Payroll Deduction IRA SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Employee Contribution ,[object Object],401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Employer Contribution ,[object Object],[object Object],[object Object],[object Object],401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Major Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Considerations ,[object Object],[object Object],[object Object],401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],Safe Harbor 401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Employer Contribution ,[object Object],[object Object],[object Object],[object Object],[object Object],Safe Harbor 401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Major Benefits ,[object Object],[object Object],[object Object],Safe Harbor 401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Safe Harbor 401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Differences Between a SIMPLE IRA and Safe Harbor 401(k) SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Single K Plan SM ,[object Object],[object Object],[object Object],[object Object],SEP IRA Single K Plan SM Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Page RE0000.191.1208
Single K Plan SM Employer Contribution (2008) ,[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Single K Plan SM Roth 401(k) Feature ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Single K Plan SM Major Benefits SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Single K Plan SM Not available to businesses with employees Considerations SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],Profit-sharing SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],Employer contributions Profit-sharing SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Major Benefits Profit-sharing SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
1. Generally true for plans that choose to use a non-integrated contribution formula. ,[object Object],[object Object],[object Object],[object Object],[object Object],Considerations Profit-sharing SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],Non-traditional Profit-sharing plans SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Age-weighted Non-traditional Profit-sharing plans Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Non-traditional Profit-sharing plans Age-weighted Page RE0000.191.1208
[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Non-traditional Profit-sharing plans Age-weighted Page RE0000.191.1208
[object Object],[object Object],[object Object],Major Benefits SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Age-weighted Page RE0000.191.1208
[object Object],[object Object],Considerations SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Age-weighted Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Non-traditional Profit-sharing plans New Comparability Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Non-traditional Profit-sharing plans New Comparability Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],Major Benefits New Comparability SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],Considerations New Comparability SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Super Comp Non-traditional Profit-sharing plans Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],Major Benefits SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Non-traditional Profit-sharing plans Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Considerations Super Comp SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
Defined Benefit ,[object Object],[object Object],[object Object],[object Object],SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],Major Benefits Defined Benefit SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
[object Object],[object Object],[object Object],Considerations Defined Benefit SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
It Doesn’t Matter Who Provides Your Retirement Plan One Other Myth: Page RE0000.191.1208
[object Object],[object Object],[object Object],What to Look for in a Plan Provider Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],The Right Way to Invest Page RE0000.191.1208
Global/International Equity Small-/Mid-cap Equity Large-cap Value High Yield Income Aggregate Income Large-cap Growth Cash Conservative funds generally carry a lower level of risk but also offer lower rates of return. Aggressive funds generally carry a higher level of risk but have the potential to offer a higher rate of return. Investment Choice Page RE0000.191.1208
1. Exchange privileges may be suspended or eliminated at any time without notice. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Support Services Page RE0000.191.1208
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Thank You Page RE0000.191.1208

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Retirement Plans For Small Businesses

  • 1. Retirement Plans for Small Businesses Shares of Oppenheimer funds are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested. Peter G Langelier Registered Representative Great American Advisors, Inc.
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  • 10. 1. This hypothetical example is not intended to show the performance of any Oppenheimer fund, for any period of time, or fluctuations in principal value or investment return. 2. Retirement assets are taxed when withdrawn. Withdrawals prior to age 59 ½ may be subject to a penalty tax in addition to ordinary income taxes. What’s in it for you? The potential for accelerated growth of savings due to tax-deferred compounding The illustration here shows how much faster money can grow in a tax-advantaged retirement plan relative to a comparable investment in a non-tax-favored vehicle. Assumes $100 of salary saved per month, 8% rate of return, 20-year savings period 1 . Page RE0000.191.1208 $59,308 $43,696 $32,759 $27,713 Retirement Plan 2 15% Tax Bracket 28% Tax Bracket 35% Tax Bracket
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  • 17. Comparing Plan Types Maximum Annual Contributions 2009 Figures do not include Catch-up contributions (where otherwise applicable) Page RE0000.191.1208 Compensation SIMPLE IRA SEP IRA Single K Single DB Plus $40,000 $12,700 $10,000 $26,500 $100,000+ common (depends on income, age, years to retirement) Annual benefit as high as $195,000 $80,000 $13,900 $20,000 $36,500 $120,000 $14,100 $30,000 $46,500 $196,000 $17,380 $49,000 $49,000
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  • 45. Single K Plan SM Not available to businesses with employees Considerations SEP IRA Payroll Deduction IRA 401(k) Non-traditional Profit-sharing plans Profit-sharing Safe Harbor 401(k) SIMPLE IRA Defined Benefit Non-qualified Deferred Comp. Single K Plan SM Page RE0000.191.1208
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  • 66. It Doesn’t Matter Who Provides Your Retirement Plan One Other Myth: Page RE0000.191.1208
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  • 69. Global/International Equity Small-/Mid-cap Equity Large-cap Value High Yield Income Aggregate Income Large-cap Growth Cash Conservative funds generally carry a lower level of risk but also offer lower rates of return. Aggressive funds generally carry a higher level of risk but have the potential to offer a higher rate of return. Investment Choice Page RE0000.191.1208
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Notas del editor

  1. First, thanks for meeting with me. You’re busy, and I know you’ve probably got a long list of things to do today. That’s why the information I’m going to share with you will take just a little amount of your time. When I’m done, though, I hope that you’ll agree it deserves more of your attention than that. Because, really, what you do with the facts you’re about to hear will help determine how you spend 10, 20, perhaps even 30 years, of your life. Some of you may already have a retirement plan in place. If so, we’ll examine whether your plan is still the best option for you and your business.