Call us at 818-769-4600 with your situation. Ask to speak to an Actuary. No fee for initial consultation. It will only take us a few minutes of questions to isolate your fact situation, and then understand your goals. We can then discuss with you the options available, and do all of this in a few minutes on the phone. We have flown this route many times before, and really like the trip. It's always a little bit different, just like life.

You may call us out of the blue, or as a referral from other clients or accountants or other third parties. You may want to either (a) want to look into pension plans that will allow a larger contribution in good years, or (b) have employees and want to keep a larger part of the contribution for you, or (c) have a fairly unsophisticated Standardized pension plan established with a brokerage house, mutual fund family, or bank and want to either (i) diversify your investments with other institutions or types of investments (such as pre-IPOs, real estate, etc.), or (ii) take advantage of (a) or (b) above. We have clients in all walks of life, and all ages, from age 9 to age 93.

To give you an idea of the possibilities, we don't use Standardized Adoption Agreements, but rather use the more flexible Non-Standardized plan documents that work to your benefit. We can, and do, use Defined Benefit Pension Plans, which require an Actuary and which are not normally offered by a brokerage house, a mutual fund family, or a bank. Defined Benefit Pension Plans often provide more flexibility in the maximum amounts of contributions each year than do Profit Sharing Plans, 401k Plans or Money Purchase Pension Plans. Often, a Profit Sharing Plan, a 401k Plan, or a Money Purchase Pension Plan may be just right for you, and in particular the New Comparability or Age-Weighted versions of these plans if you have employees.

Quite often, a business owner thinks that his or her situation is "too difficult" to have a pension plan, because of (a) owning several companies, or (b) having employees, or (d) having had a prior pension plan that perhaps was "fully funded", or for some other reason. Quite often, we can take this situation and figure out a fairly easy approach to have the owner and spouse be able to adopt a pension plan and get significant contributions. We are pretty much expert at this function, so give us a call. The worst that can happen is that we'll confirm you can't have a pension plan. This doesn't happen often.

There are 4 underlined sub-sections at the top of this page that you can click on. These contain a great deal of information, but are themselves just an introduction. If you don't want to get into this level of knowledge, just call us at 818-769-4600. Ask for an Actuary. No charge for initial consultations.

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