NONQUALIFIED DEFERRED COMPENSATION. Asking the question: Do your company s plans REALLY work?
|
|
|
- Ann Wilkerson
- 5 years ago
- Views:
Transcription
1 NONQUALIFIED DEFERRED COMPENSATION Asking the question: Do your company s plans REALLY work?
2 NONQUALIFIED DEFERRED COMPENSATION Do your company s plans really work? 92% OF THE FORTUNE 1000 OFFER A 409A NONQUALIFIED DEFERRED COMPENSATION PLAN TO KEY EXECUTIVES. And 409A Nonqualified Deferred Compensation (NQDC) can be the most versatile pay element of Total Rewards. Yet for many, NQDC is the FORGOTTEN pay element. Having a plan does not necessarily mean you have your best strategy. 2
3 We measure inputs. A strategy means that Fulcrum Partners has tested variations of plan designs with your unique needs in mind. And we analyze outcomes. A plan shouldn t be casually selected as if you picked it off the shelf. 3
4 CHART 1: RETIREMENT COMPENSATION SUMMARY: CEO Company contributions, as a percentage of salary, to all qualified and nonqualified retirement plans. Real data regarding a sampling of 12 companies, all within the same industry. CEO A CEO B CEO C CEO D CEO E CEO F CEO G CEO H CEO I CEO J CEO K CEO L Why do these numbers vary so much from one executive to the next? 4
5 CHART 2: CAREER RETIREMENT BENEFIT: RETIREMENT INCOME REPLACEMENT RATIO (RIRR) CEO Annual lifetime income replacement, as a percentage of projected final total cash compensation (salary plus bonus), created by company contributions to all retirement plans, assuming target performance. CEO D CEO A CEO C CEO L CEO E CEO B CEO J CEO F CEO H CEO K CEO I CEO G Clearly some companies treat retirement as a significant pay element while other companies have no strategies at all. 5
6 QUESTIONS YOU MUST ASK What is your CEO s projected retirement income replacement ratio (RIRR)? Why is it what it is? What should it be? Does your CEO s projected RIRR reflect your overall compensation strategy? What about your other key executives? 6
7 CONSIDER CORPORATE OBJECTIVES COMPANIES HAVE MANY REASONS TO USE DEFERRED OR FUTURE COMPENSATION. Drive performance. Drive corporate messaging. Incentivize and retain new hires. Replace lost benefits ( make whole arrangements) for new hires. Improve employee morale. Award spot bonuses or special project bonuses. Manage compensation subject to clawback. Incentivize employees to accumulate company stock on a tax preferred basis. Supplement existing retirement programs and Social Security. Facilitate financial wellness, creating consistency with other companies initiatives. And inspire retention which is a reflection of loyalty. 7
8 RETENTION a of loyalty. Loyalty occurs when the needs of both parties are satisfied. Deferring income is an act of trust and faith between the company and the employee. Employers and employees who partner for their common interests, achieve strategic success through effective plan sponsorship. Loyalty from employer to employee. And from employee to employer. 8
9 CONSIDER EXECUTIVE OBJECTIVES Retirement security. Financial wellness. Flexibility to handle financial uncertainties. Employees today face many financial insecurities. Increasing numbers of workers postponing retirement beyond age % of workers planning a second career after retiring from their first one. And most depending on Social Security and employer sponsored plans alone. Rule of Thumb: Annual retirement income TARGET X 20 = RETIREMENT SAVINGS TARGET. For example, to have $100,000 in annual cash flow at retirement, you need savings of $2,000,000. 9
10 CONSIDER MUTUAL OBJECTIVES Employers want maximum performance from executives. Employees want incomes, retirement security, tools for saving, tools for retirement, and partnership with their employer. IRS CODE 409A impacts both corporate and executive objectives. Both organizations and executives must look at deferred compensation as part of Total Rewards, asking: Why? And, how does it benefit me? 10
11 WHO IS IMPACTED MOST WHEN YOUR COMPANY S PLANS FALL SHORT? NOT THE CORE EMPLOYEES NOT THE C-SUITE Your Core Management Team is at greatest risk. In general, employees in this group are: Over the Social Security wage base. Limited in qualified plan contributions. Missing out on the C-Suite incentives. THE MOST SIGNIFICANT IMPEDIMENT TO WEALTH IS TAXES. 11
12 CONSIDER THE GAP Today s tax qualified retirement plans and social programs, for the most part, adequately provide for the worker earning $90,000 and under. However, those earning over the social security wage base of $113,700 start losing benefits. Additionally, tax qualified plan limits do not allow those employees to save enough for a comfortable retirement. The most efficient way to address this issue is to supplement the 401(k) with a 409A plan. A 409A plan affords your core management team the same opportunity to provide for retirement as your core employees receive. A 409A plan can complement the 401(k). A 409A plan, with an egalitarian design, goes a long way in neutralizing the impact of reverse discrimination in retirement planning. 12
13 SUMMARY Many companies demonstrate a commitment to employees in health and wellness. Extending that commitment to financial wellness through a nonqualified strategy is LOGICAL. Install an Executive Partnership Plan utilizing 409A. Sponsors who partner with key employees; discover the win-win. A well-strategized nonqualified deferred compensation plan is not a product you buy off a shelf. Instead, it is a customized strategy designed for your needs and your future. NQDC plans are the most effective, taxefficient, wealth-accumulating vehicles for highly compensated executives. If you don t have a plan, you need one. If you do have a plan, let Fulcrum Partners review it for you. MAXIMIZE UTILITY FOR BOTH THE PLAN SPONSOR AND THE PARTICIPANT. WORTH REPEATING: A NONQUALIFIED BENEFIT STRATEGY IS THE MOST VERSATILE PAY ELEMENT WITHIN TOTAL REWARDS. 13
14 FULCRUM PARTNERS LLC LEADERSHIP IN INTEGRATED EXECUTIVE COMPENSATION In every industry, there is a leader a distinctive expert that stands above all others. When the industry is executive benefits consulting and you are seeking the true experts in integrated executive compensation, that leader is Fulcrum Partners. Leadership, understanding, creativity, and accountability, all validated by knowledge and wisdom this is the value proposition the specialists at Fulcrum Partners intend to bring to every client relationship. Energizing synergistic strategic alliances in order to help fulfill each client s specific needs, the team at Fulcrum is trusted by many of the biggest names in business today, including both publicly held and large private companies. CORE COMPETENCIES OFFERED BY THE PROFESSIONALS AT FULCRUM PARTNERS: Executive Benefits Consulting Executive Benefit Benchmarking Benefit Financing Strategies Executive Wealth Management Institutional Investment Advisory EXPERTISE IN THE SERVICES YOUR ORGANIZATION NEEDS Fulcrum Partners, LLC was founded in Ponte Vedra Beach, Florida, in 2007, by four former senior consultants of the Executive Benefits Division of Clark Consulting. Today Fulcrum Partners has grown to a team of 15 partners and serves its clients with more than 200 years of combined professional experience. Our partnerships with hundreds of public and private companies throughout the country position us to help our clients in areas beyond executive compensation and benefits consulting. We provide consultation and coordination in specialized areas of broad-based employee benefit programs, focusing on areas for improved efficiencies and effectiveness in the employee benefits market. CONTACT: Fulcrum Partners LLC 818 A1A North, Suite 304 P.O. Box 1909 Ponte Vedra Beach, FL press@fulcrumpartnersllc.com Securities offered through Registered Representatives of ValMark Securities, Inc. Member FINRA, SIPC, 130 Springside Drive, Suite 300, Akron, OH , Tel: Investment Advisory Services offered through ValMark Advisers, Inc., which is an SEC Registered Investment Advisor. Fulcrum Partners LLC is a separate entity from ValMark Securities, Inc. and ValMark Advisers, Inc Fulcrum Partners LLC 2013 Fulcrum Partners, LLC. No part of this may be reproduced by any means without the express written permission of Fulcrum Partners LLC. 14
15 Contact: Fulcrum Partners LLC 818 A1A North, Suite 304 P.O. Box 1909 Ponte Vedra Beach, FL Securities offered through Registered Representatives of ValMark Securities, Inc. Member FINRA, SIPC, 130 Springside Drive, Suite 300, Akron, OH , Tel: Investment Advisory Services offered through ValMark Advisers, Inc., which is an SEC Registered Investment Advisor. Fulcrum Partners LLC is a separate entity from ValMark Securities, Inc. and ValMark Advisers, Inc Fulcrum Partners LLC 15
PROTECTING INCOME, RETIREMENT, and WEALTH FOR YOUR KEY PEOPLE
PROTECTING INCOME, RETIREMENT, and WEALTH FOR YOUR KEY PEOPLE Benefit Restoration Strategies The term Executive Benefits often brings to mind thoughts of something special or a golden parachute. This type
Rabbi Trusts An Important Adjunct to Deferred Compensation Plans Washington Report
Rabbi Trusts An Important Adjunct to Deferred Compensation Plans Washington Report Executive Benefits Consultants, Fulcrum Partners LLC, shares AALU WRMarketplace Report Washington Report (October 25,
WHITE PAPER. Advantages to Pre-Tax Deferral of Income in an Uncertain Tax Environment. By Steve Broadbent and Chris Nyland
WHITE PAPER Advantages to Pre-Tax Deferral of Income in an Uncertain Tax Environment By Steve Broadbent and Chris Nyland ADVANTAGES TO PRE-TAX DEFERRAL OF INCOME Steve Broadbent and Chris Nyland A NEW
and Performance By Stephen M. Kaufman, Fulcrum Partners Compensation Committees, even in the midst of increasing scrutiny over executive pay.
Key Watchwords in Long Term Incentive Compensation: Efficiency, Diversification and Performance Summary: As the U.S. economic recovery gathers steam, executive retention will again be a key issue for Compensation
Trends in Nonqualified Deferred Compensation. Take their word for it this benefit remains a big deal in the business world.
2016 Trends in Nonqualified Deferred Compensation Published April 2017 Take their word for it this benefit remains a big deal in the business world Summary With the economy and job market heating up, the
Discover Your Sweet Spot
Discover Your Sweet Spot Pacific Life Insurance Company PACIFIC SELECT VUL ACCUMULATION FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE WITH INDEXED OPTIONS Client Guide FOR YOUR FAMILY FOR YOUR BUSINESS
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS CALING THE HEIGHTS SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS Y THE INVESTMENT CREATED FOR INSTITUTIONS IS NOW AVAILABLE
Nonqualified deferred compensation plans. Trends in Nonqualified Deferred Compensation
Nonqualified deferred compensation plans Trends in Nonqualified Deferred Compensation 2017 research results, published March 2018 1 Insight through the lens of employers and their key employees 10th annual
You, Your Advisor & Retirement Management Systems
Savings Plan Management An asset allocation and rebalancing program for your company-sponsored retirement account. You, Your Advisor & Retirement Management Systems Saving for Retirement Through Your Employer-Sponsored
You,Your Advisor & Retirement Management Systems
SAVINGS PLAN MANAGEMENT An asset allocation and rebalancing program for your employer-sponsored retirement account. You,Your Advisor & Retirement Management Systems Saving for Retirement Through Your Employer-Sponsored
Trends in Nonqualified Deferred Compensation. Take their word for it this benefit is a big deal in the business world.
2015 Trends in Nonqualified Deferred Compensation Published June 2016 Take their word for it this benefit is a big deal in the business world Summary Key employees are the backbone of every organization.
What type of investor are you?
Nonqualified deferred compensation What type of investor are you? Whether it s your first time investing or you just want to see if your investment style has changed, the two questions to answer are: How
Retirement Plan Services
OVERVIEW Helping your employees prepare for retirement is one of the most valued benefits you can offer. At CIBC, we understand the important role retirement planning plays in your overall benefits package.
GUIDE OTHERS AND LIVE GENEROUSLY TO BE WISE WITH MONEY. Explore a career as a Thrivent Financial representative
GUIDE OTHERS TO BE WISE WITH MONEY AND LIVE GENEROUSLY Explore a career as a Thrivent Financial representative Would you like to represent a membership organization serving Christians that offers a unique
We ve Got You Covered Executive Benefit Resources
We ve Got You Covered Executive Benefit Resources EXECUTIVE BENEFITS You want top talent that adds value to your company, and that talent wants long-term financial stability. A forward-thinking executive
Key employee retention and retirement. Key employee benefits can be your key to success
Key employee retention and retirement Key employee benefits can be your key to success 1 The right benefits can make all the difference Take a moment to think about the success of your business. How much
Mortgage Power An Asset in the Making
Mortgage Power An Asset in the Making By Lloyd J. Streisand Lloyd J. Streisand, Division Vice President & Senior Loan Officer, founded the Streisand Team at Sterling National Bank. Lloyd is a CPA. He and
It s All About the Business
It s All About the Business Planning Strategies Integrated with Life Insurance to Help a Business Owner Accomplish Goals for Retirement, Business Perpetuation, Successful Business Transition, and Estate
VALMARK POLICY MANAGEMENT COMPANY
VALMARK COMPANY BRIDGING EXPECTATIONS WITH RESULTS B RI DG I NG E X P E C TAT I O N S with R E S U LT S As the life insurance industry changes with time, effective inforce policy management is now more
THE R.I.S.K. PROCESS RETIREMENT INCOME SURVIVAL KIT
THE R.I.S.K. PROCESS RETIREMENT INCOME SURVIVAL KIT THE R.I.S.K. PROCESS AN EFFECTIVE WAY TO BUILD YOUR RETIREMENT INCOME SURVIVAL KIT RETHINKING INCOME SIMPLIFYING COMPLEXITY REACHING THE SUMMIT AND
What Matters to You Matters to Us
EARNING YOUR TRUST. WORKING TOWARDS YOUR SUCCESS. SHARING YOUR VISION. What Matters to You Matters to Us Relationships are an integral part of the social and business fabrics that form our lives. The depth
Nonqualified Consulting Group COMMITTED TO THE NQDC MARKET EXPERTISE & SERVICE BROUGHT TO YOU BY THE PRINCIPAL FINANCIAL GROUP
Nonqualified Consulting Group COMMITTED TO THE NQDC MARKET EXPERTISE & SERVICE BROUGHT TO YOU BY THE PRINCIPAL FINANCIAL GROUP Trust a leading provider of nonqualified deferred compensation solutions 1
THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
Value Price is what people pay, value is what they pay for. You don t get paid for the hour, you get PAID FOR THE VALUE you bring to the hour. WARREN BUFFET Today s objectives 1 Define the real issues
THE BDO Study of CEO and CFO Compensation Practices of 600 Mid-Market Public Companies
THE BDO 600 2018 Study of and Compensation Practices of 600 Mid-Market Public Companies Table of Contents INTRODUCTION... 1 HOW TO USE THIS STUDY...2 PAY FOR PERFORMANCE FINDINGS -... 4 OVERALL RESULTS...6
Nonqualified Deferred Compensation Plans
RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Nonqualified Deferred Compensation Plans Working today for tomorrow s benefits In the competitive landscape for top talent, nonqualified deferred compensation
Marsh Private Client Life Insurance Services. Life Insurance Services for High Net Worth Clients
Marsh Private Client Life Insurance Services Life Insurance Services for High Net Worth Clients Vision Wealth creates opportunity and risk. We provide the insight to see risk more clearly and the solutions
6 Critical Social Security Facts Retirees Must Know
SOCIAL SECURITY February 2015 6 Critical Social Security Facts Retirees Must Know If you are like most Americans, Social Security may provide a significant portion of your income in retirement. 6 Critical
2 016 / MID - M A R K E T E X E C U T I V E C O M P E N S ATION SURVEY:
2 016 / 2 0 1 7 MID - M A R K E T E X E C U T I V E C O M P E N S ATION SURVEY: EXECUTIVE SUMMA RY Published November 2016 R V I ABOUT THE SURVEY HE CFO A L L I A N C E The Annual CFO Alliance Mid-Market
Navigating company stock regulations with Rule 10b5-1 trading plans
RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Navigating company stock regulations with Rule 10b5-1 trading plans Best practices for helping your key executives create well-structured trading programs
Retire with. Confidence. A helpful guide to retirement planning. Growing, Managing and Protecting Your Assets
Retire with Confidence A helpful guide to retirement planning Growing, Managing and Protecting Your Assets No matter what stage you are in planning, nearing or already retired there are things you can
Executive Benefits Services
Executive Benefits Services Benefit and Compensation Plans for Senior Executives smithbarney.com/corporate The Executive Benefits Services group is committed to developing valuable benefit programs that
I can calculate the movement of stars but not the madness of men. - Sir Isaac Newton
I can calculate the movement of stars but not the madness of men. - Sir Isaac Newton In the early 18th century, one of England s most celebrated scientists, Isaac Newton, invested in the South Sea Company.
SOCIAL SECURITY. 6 Critical Social Security Facts Retirees Must Know. January 2016
Presented by: SOCIAL SECURITY January 2016 6 Critical Social Security Facts Retirees Must Know Social Security provides an important source of guaranteed income for most Americans. Choosing the right claiming
Driving Better Outcomes with the TIAA Plan Outcome Assessment
Driving Better Outcomes with the TIAA Plan Outcome Assessment A guide to measuring employee retirement readiness and optimizing plan effectiveness For institutional investor use only. Not for use with
Earning Your Trust. Sharing Your Vision. What Matters to You Matters to Us
Earning Your Trust. Working Towards Your Success. Sharing Your Vision. What Matters to You Matters to Us Relationships are an integral part of the social and business fabrics that form our lives. The depth
Small Business Retirement Plans. Understanding and Navigating Plan Selection for Your Clients
Small Business Retirement Plans Understanding and Navigating Plan Selection for Your Clients Small Business Key Facts Nearly half of all workers in the U.S. have less than $1,000 saved for retirement 1
2015 Executive Compensation Report. By James Del Monte, CERS, CPC
2015 Executive Compensation Report By James Del Monte, CERS, CPC Houston IT Executive Compensation Report 2015 As we have noted the past few years, the focus on total compensation is among the most prominent
Athene Ascent SM 10 Bonus 2.0 Annuity
A single premium fixed indexed deferred annuity A single premium fixed indexed deferred annuity is a long-term retirement savings product that can help protect you from outliving your money. It s a contract
PGIM INVESTMENTS. And the investment managers that make a difference. PGIM Fixed Income QMA
PGIM INVESTMENTS Bringing you the investment managers of Prudential Financial, Inc. PGIM INVESTMENTS And the investment managers that make a difference PGIM Fixed Income Jennison Associates QMA PGIM REAL
Top Performing Companies: $2 - $4 Billion Revenue In Depth Review: CEO & CFO Compensation and Board Compensation
Top Performing Companies: $2 - $4 Billion Revenue In Depth Review: CEO & CFO Compensation and Board Compensation 2008 Overview MullinTBG and Strategic Compensation Group jointly analyzed the compensation
INVESTING IN YOURSELF
Investment Planning INVESTING IN YOURSELF Women are different from men. So are your financial planning needs. 2 INVESTING IN YOURSELF WOMEN & MONEY There are many reasons why you might require a different
LGBT individuals and non-traditional families.
PERSONAL WEALTH MANAGEMENT A Collaborative Approach to Solving Issues Affecting LGBT Individuals and Non-Traditional Families MODERN FAMILIES WITH UNIQUE FINANCIAL NEEDS As an attorney, accountant or trusted
No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
Choosing a Retirement Plan for Your Business
February 2017 Choosing a Retirement Plan for Your Business introduction Table of Contents Building Your Retirement Starting and maintaining a retirement plan for your business can be easier than you think
3(38) Fiduciary Services. 3(21) Co-Fiduciary Services & INVESTMARK FIDUCIARY SERVICES FOR RETIREMENT PLANS
INVESTMARK FIDUCIARY SERVICES FOR RETIREMENT PLANS Reduce Your Liability and Keep Your Company s Plan Strong and Compliant 3(38) Fiduciary Services 3(21) Co-Fiduciary Services & The Direction of Wealth
Winning. strategy. EXECComp COMPANIES HAVE LONG KNOWN THAT TO ATTRACT TALENTED EXECUTIVES TO THEIR BUSINESSES,
Winning strategy The American Jobs Creation Act took the wind out of the sails of traditional nonqualified deferred comp plans, creating a problem for any employer who has one and a tremendous marketing
Nolan Financial Report
Nolan Financial Report Vol. 9 No.3 Making Nonqualified Plan Distributions Stretch Distribution Options - What s the Big Deal? Introduction Windfall - wind fall noun \ˈwin(d)-ˌfol\ -- The Merriam-Webster
2018 MDRT Annual Meeting e-handout Material. Best Practices for Nonqualified Deferred Compensation
2018 MDRT Annual Meeting e-handout Material Title: Speaker: Best Practices for Nonqualified Deferred Compensation Kirk Wolf, CFA Presentation Date: Wednesday, June 27, 2018 Presentation Time: Session Room:
Athene Ascent SM Income Rider Athene Ascent SM 10 Bonus 2.0 Annuity Supplemental Illustration
Athene Ascent SM Income Rider Athene Ascent SM 10 Bonus 2.0 Annuity Supplemental Illustration Owner/Annuitant: Valued Client Issue age: 55 Assumed Issue Date: January 15, 2018 Assumes Initial Premium Amount
THE RISK BLUEPRINT Rethinking Income I Simplifying Complexity
THE RISK BLUEPRINT Rethinking Income I Simplifying Complexity Prepared For: Mr. & Mrs. Client Presented By: ValMark Advisor Client Information and Plan Summary Client Mr. Client Spouse Mrs. Client Birth
NATIONAL CONSTRUCTION & REAL ESTATE GROUP WEALTH ADVISORS. experience trust // relationships // expertise
NATIONAL CONSTRUCTION & REAL ESTATE GROUP WEALTH ADVISORS experience trust // relationships // expertise WHAT DOES YOUR FUTURE HOLD? You want a principled wealth advisor who inspires confidence. We understand.
Understanding your fiduciary responsibilities for retirement plans
Understanding your fiduciary responsibilities for retirement plans An overview of the fiduciary s role and frequently asked questions about it When you are a trustee or serve on an investment committee
6 Social Security Facts Your 65-Year-Old Self Wishes You Knew Right Now
6 Social Security Facts Your 65-Year-Old Self Wishes You Knew Right Now 1 6 Social Security Facts Your 65-Year-Old Self Wishes You Knew Right Now Introduction Social Security provides an important source
3xEquity Transition Comparison Report ROGER JONES, JONES, DOUGLAS & ASSOCIATES MARCH 23, 2016
3xEquity Transition Comparison Report ROGER JONES, JONES, DOUGLAS & ASSOCIATES MARCH 23, 2016 Jones, Douglas & Associates Executive Summary Congratulations! 3xEquity has completed your Transition Comparison
Building the Right Mix of Benefits and Incentives for Your Key People
Building the Right Mix of Benefits and Incentives for Your Key People Customized Executive Benefit Plans Affiliated Company NYL Executive Benefits LLC (NYLEX Benefits) is an independent subsidiary and
Your Stock Market Survival Guide
Your Stock Market Survival Guide ROSENBERG FINANCIAL GROUP, INC. While this report can apply to all people, it is especially geared for people who: (1) are getting close to retirement; (2) are already
Rewards and Incentives Drive Member Engagement and Improve Star Ratings a Proven Model!
Entertainment Corporate Marketing Solutions White Paper Rewards and Incentives Drive Member Engagement and Improve Star Ratings a Proven Model! Introduction Since 200, the Medicare Prescription Drug, Improvement,
Thinking about retiring from the phone company?
Thinking about retiring from the phone company? A Guide For MANAGEMENT Telecom Employees Wall Street Journal September 25th, 2018 Head Line.. Verizon Launches Early-Retirement Program to Trim Workforce
BROKER/DEALER SCORECARD YOUR GUIDE TO CHOOSING THE FIRM THAT S RIGHT FOR YOU FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
BROKER/DEALER SCORECARD YOUR GUIDE TO CHOOSING THE FIRM THAT S RIGHT FOR YOU FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC. JOINLPL.COM eciding to affiliate with a different broker/dealer
A GUIDE TO PREPARING FOR RETIREMENT
A GUIDE TO PREPARING FOR RETIREMENT MaineSaves A Guide to Preparing for Retirement MaineSaves, the State of Maine s voluntary retirement savings plan, is designed to help you move forward on your journey
Learn More About: Glass Jacobson Financial Group 401(k) Plan Services
Learn More About: Glass Jacobson Financial Group 401(k) Plan Services NAVIGATING THE PATH TO FINANCIAL SUCCESS Glass Jacobson has played a proactive role in creating financial success for businesses and
Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands
Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Provided to you by: Kim D. Frink Financial Consultant Annuity Owner Mistakes Written by Financial Educators Provided to you by Kim D.
Making the Most of Your Sudden Wealth. David J. Gordon, CFP, CIMA, ADPA Financial Advisor, Executive Director, Senior Portfolio Management Director
Making the Most of Your Sudden Wealth David J. Gordon, CFP, CIMA, ADPA Financial Advisor, Executive Director, Senior Portfolio Management Director Where Does Sudden Wealth Come From? Lawsuit Settlement
RETIREMENT READINESS FOR YOUR EMPLOYEES THE VALUE OF ADVICE AND PLANNING
RETIREMENT READINESS FOR YOUR EMPLOYEES THE VALUE OF ADVICE AND PLANNING Advice and Planning Services is a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor.
6025 S. Quebec St., Suite 170 Centennial, CO
HIGHLIGHTS INCLUDE: Powerful information that could potentially save you thousands in taxes and fees. Tips to help put you one step ahead in your retirement preparations. Critical mistakes that cannot
No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding iras A Summary of Individual Retirement Accounts No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 11/13 23038-13B Contents
Learn to Speak Fluent Nonqualified Deferred Compensation: A Guide to Understanding the Language Spoken in the World of Nonqualified Plans
July August 2007 Learn to Speak Fluent Nonqualified Deferred Compensation: A Guide to Understanding the Language Spoken in the World of Nonqualified Plans By William L. MacDonald William MacDonald explains
Strategies for staying on track. Prepare yourself for the journey ahead
Strategies for staying on track Prepare yourself for the journey ahead TIAA and you: Working together to pursue a financially secure future At TIAA, our mission is simple: We re here to help our customers
Guide to market volatility. Tips to help you understand the ups and downs of the market
Guide to market volatility Tips to help you understand the ups and downs of the market Volatility is the pulse of the market. If the financial markets have taught us anything over the long term, it is
MAXIMIZE YOUR SAVINGS
MAXIMIZE YOUR SAVINGS In the Lam Research 401(k) Plan and Other Plans WHAT S INCLUDED Click directly on the section to the right to move to that section. >> Increased Savings and Tax Flexibility Build
Macy s, Inc. Deferred Compensation Plan. Your Nonqualified Deferred Compensation Plan
Macy s, Inc. Deferred Compensation Plan Your Nonqualified Deferred Compensation Plan Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner& Smith
ADVICE. Guided Portfolio Services
ADVICE Guided Portfolio Services Are you confident about your investment decisions? Or do you find the process of investing for retirement outside of your comfort zone? saving : investing : planning Get
TIAA Individual Advisory Services. Personalized financial advice for every stage of life
TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to TIAA.org/ individualadvisoryservices
Small Business Retirement Plans. Choose the right retirement solution for your business
Small Business Retirement Plans Choose the right retirement solution for your business Why Establish a Retirement Plan for Your Business? Where will your retirement money come from? Many people believe
A dynamic approach to investing
Portfolio Stabilizer funds available with a RiverSource variable annuity A dynamic approach to investing Issued by RiverSource Life Insurance Company, and in New York by RiverSource Life Insurance Co.
CORPORATE BENEFITS EXECUTIVE BENEFITS. Executive Benefits The ultimate competitive advantage.
CORPORATE BENEFITS EXECUTIVE BENEFITS Executive Benefits The ultimate competitive advantage. Most of your employees can replace their entire income after retirement with a tax-deferred plan, like a 401(k).
Help Preserve Wealth for Your Beneficiaries
Help Preserve Wealth for Your Beneficiaries Using a Stretch Variable Annuity Strategy 6/15 23187-15B Consider a Pacific Life Variable Annuity A variable annuity is a long-term contract between you and
The Potential Tax Benefits of Deferred Compensation and Retirement Plans
The Potential Tax Benefits of Deferred Compensation and Retirement Plans By Craig Main, Founder and CEO TRENDS REPORT The Tax Cuts and Jobs Act has created a new tax planning dynamic for companies. Under
401(k) Checklist: What to Ask When Evaluating Providers
401(k) Shopping Checklist: Employee Experience Routine Admin Work Compliance Cost Investment Selection 401(k) Checklist: What to Ask When Evaluating Providers Your Goal Select a 401(k) provider that saves
A Survey of Current Trends. 2014/2015 edition
Executive Benefits: A Survey of Current Trends 2014/2015 edition Contents Introduction 1 Executive Summary 2 Methodology 4 Goals and Satisfaction 5 Non-Qualified Deferred Compensation Plans 11 Offering
2014 Retirement Webinar Series
2014 Retirement Webinar Series Emerging Trends in DC Investments: Learning from the Leaders Alison Borland, Clinton Cary, Winfield Evens Retirement Webinar Series February 19, 2014 1 Agenda Section 1 Section
NQDC in the "Real World"
NQDC in the "Real World" Guest Presenter: Ben Hall VP & Managing Director, JKJ Retirement Services 2014 fi360 Inc. All Rights Reserved. 2 NQDC 101 Real World Practical Primer Presented By: Ben Hall - JKJ
Help employers recruit, reward and retain top talent
Principal Executive Variable Universal Life II-COLI Help employers recruit, reward and retain top talent Product guide 1 In this guide Introduction... 2 Key features... 3 How Executive VUL II works...
Invest With A Plan. A process to help you achieve what s important to you and your family
Invest With A Plan A process to help you achieve what s important to you and your family INVESTMENT AND INSURANCE PRODUCTS ARE: NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A DEPOSIT
LIFE SETTLEMENT ADVOCACY NAVIGATING THE NEW WORLD OF LIFE SETTLEMENTS
LIFE SETTLEMENT ADVOCACY NAVIGATING THE NEW WORLD OF LIFE SETTLEMENTS LIFE SETTLEMENT ADVOCACY A life settlement is the sale of an existing life insurance policy to a third party for less than the death
Choosing the right retirement plan for your employees. RETIREMENT
Choosing the right retirement plan for your employees. RETIREMENT What s the best way to compensate your employees? Salary and commission are only one component of compensation. Pensions and other retirement
SPECIALIST EXPERTISE MULTI-JURISDICTIONAL COVERAGE. Private Equity Fund Administration Services
SPECIALIST EXPERTISE MULTI-JURISDICTIONAL COVERAGE Private Equity Fund Administration Services SOPHISTICATED FUND ADMINISTRATION FOR A UNIQUE ASSET CLASS Receive specialist knowledge, exceptional expertise
EMPLOYEE INCENTIVE PLANNING
EMPLOYEE INCENTIVE PLANNING WHITE PAPER Chuck Baldwin Baldwin & Clarke Advisory Services, Inc. 116 A South River Road Coldstream Park Bedford, NH 03110 Phone: 603-668-4353 http://www.baldwinclarke.com
Why Hire a Fiduciary Advisor?
Why Hire a Fiduciary Advisor? Introduction Making long-term decisions about money can be difficult and even a little scary. Many people turn to an advisor for help with their financial decisions. Many
Opportunities in the state and local government market. Retirement plan support for consultants and advisors
Opportunities in the state and local government market Retirement plan support for consultants and advisors State and local governments have specific needs. Governments generally face decreasing revenues
A distinctive solution for your plan and employees. TIAA-CREF Lifecycle Funds
A distinctive solution for your plan and employees TIAA-CREF Lifecycle Funds TIAA has nearly 100 years of experience managing money for retirement and nearly 60 years of asset allocation experience. Our
401(k) Action Steps To Take Now
in order to take charge of your financial life HAVE YOU EVER SWITCHED JOBS? Research shows the average American employee switches jobs 11 times before retiring. 1 Job changes means many Americans have
VALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING
VALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING Your financial advisor will work with you to help make sure your financial plan fits
Stand out in the business market
Insurance solutions for businesses Stand out in the business market Solutions, expertise and service, all in one place. Strengthen relationships and be there for your clients Whether you re just starting
How to Maximize the Impact of Sales Assistants and Junior Brokers
Guide to Growth: Leveraging Research and Industry Experience to Achieve Best Practices How to Maximize the Impact of Sales Assistants and Junior Brokers Cetera Financial Institutions is a marketing name
Your life. Your future. Your options.
Your life. Your future. Your options. Whether by chance or by choice, you have options. Explore them with Empower Retirement. Corporate Retirement Plan Participant Brochure You want to retire someday or
SERVICES FOR INSTITUTIONAL CLIENTS
SERVICES FOR INSTITUTIONAL CLIENTS TABLE OF CONTENTS COMPANY INFORMATION...2 EMPLOYEE BENEFIT PLANS...4 NQDC PLANS / RABBI TRUSTS...6 ESCROW TRANSACTIONS...7 ENDOWMENTS AND FOUNDATIONS...8 CUSTODIAL SERVICES...9
Nonprofits face many challenges. Growing investments. to support your operational needs. Meeting the need for
H E L P I N G Y O U A C H I E V E Y O U R O R G A N I Z A T I O N S M I S S I O N F o u n d a t i o n & I n s t i t u t i o n a l A d v i s o r s Y O U R O R G A N I Z A T I O N S N E E D S A R E C O M
NAC IncomeChoice SM 14
NAC IncomeChoice SM 14 Fixed Index Annuity Consumer Brochure 1 19073Z PRT 09-13 19073Z PRT 09-13 The Income You Need The Potential You Want Like many individuals, you ve probably spent years saving for
Introduction to the Universe of Non-Stock Market Income-Generating Alternatives
Introduction to the Universe of Non-Stock Market Income-Generating Alternatives Introduction to the Universe of Non-Stock Market Income-Generating Alternatives There are three basic categories of investments: