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New Tax Laws Increase Your NQDC Plan’s Value To Key Employees, Part II

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New Tax Laws Increase Your NQDC Plan’s Value To Key Employees, Part I

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Changing Deferral Elections to a Different Date

We've talked about some of the advantages the new tax laws have offered you as the sponsor of a NQDC plan. We've also talked about the importance of coupling good financial planning to ensure your employees' income makes the most of those advantages by timing deferral elections and income distributions judiciously.The thresholds that trigger higher income and capital gains tax rates as well as the Medicare surtax mean that employees have to think more carefully about timing their def
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Happiness: A Great Key to Employee Retention and NQDC Plan Success

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Attracting and Retaining Top Talent is Top Priority in 2014

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A NQDC Plan Can Help You Share The Wealth If Your Business Is Acquired

It's happened. Your dream of someday selling your company for X times your investment has actually been realized. You've built your company well and you've shown your employees that you value them by setting up a fabulous benefits package through a well-designed NQDC plan. How will this transaction affect your plan participants and how can you prepare them for the upcoming changes?First, let's address what could happen. Depending on how your plan is set up, the event could r
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Encourage early planning for NQDC deferment decisions

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How will your NQDC plan affect your employees’ financial planning strategies?

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Social Security, Medicare, and your NQDC plan

We've been talking about retirement income deferral in your NQDC plan and how you can use your plan to build better relationships with your employees. The two main ingredients for that are communication and education. The more transparent you can be about your plan, the more your employees will appreciate it (and you!), and the better informed choices they can make.We've also talked about positioning your NQDC conversations within your employees' overall financial plan. Taxes are a b
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Your NQDC plan and our sister company, Froehlich Financial Group

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Tax planning for NQDC plan benefits using split-dollar plans and employee ILITs

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How is your NQDC plan affected by capital markets volatility?

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How ‘Qualified’ is your qualified retirement plan?

In our conversations and thoughts about 401(K) and other so-called 'qualified' retirement plans, we don't often think about what makes them qualified! These plans are extremely valuable to your employees and they are a great benefit you, as their employer, provide them. But what happens if your 'qualified' plan doesn't qualify?Qualification of these plans hinges on IRS rules. Mainly, these qualifications for retirement plans are governed by the Employee Retirement Income
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Explaining enrollment procedures for your NQDC plan can encourage participation

We all, as business owners, try to encourage our employees to participate in the retirement plan options we have provided them. We may think less often about explaining just how to do that! As human beings, we often need specific 'next steps' to provide the incentive for taking action.Education on how to participate also helps your employees make informed decisions about their deferral options. Changing these options after-the-fact can incur tax consequences. So you can add even greater
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NQDC deferral elections: Important considerations for your employees

Just because your top executives are brilliant at what they do doesn't mean they don't need help when enrolling in or making deferral selections for your NQDC plan. Here are some things they should be thinking about.How much to defer? This depends on their financial situation, the goals they have, and whether you plan allows them to defer 100% of their salary along with their bonuses. This is one of those decisions best made within the context of an overall financial plan.If they have ju
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How to manage fraudulent online review risk for your small business

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Can online reputation risk affect your NQDC plan?

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Why work with an advisor to set up and manage your NQDC plan?

There are multiple first-sentence answers to that question! But the one I will choose is 'Just because your NQDC plan is not subject to ERISA doesn't mean you don't have a fiduciary duty to uphold.'Just like family members who serve as trustees for family trusts, small business owners may not realize the impact of their role as a fiduciary when setting up an NQDC plan. Large companies usually set up these plans through their human resources departments and have plenty of employee
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NQDC’s are fast becoming key employees’ new BFF for retirement income

The economy is coming back – slowly, but surely. And that's making company NQDC plans more and more popular. A study published in June 2014 by the Principal Financial Group showed that 91% of plan participants value them as a significant tool to help them reach their retirement goals. Twenty-six percent are counting on their NQDC plan to provide their retirement income. And 37% have decided to increase their deferral amount next year.The study began in 2008 so it was designed to track
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The scoop on Section 409A…what you don’t know can hurt you and your employees!

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Check the background of this financial professional on FINRA's BrokerCheck