Putney Oxford- Pensions

They can be an efficient and effective way to achieve important business and personal objectives. The reason is simple. Retirement plans can offer tax-deductible contributions and tax-deferred growth. These features make it possible to rescue dollars that would otherwise be lost to taxes, and put them to work to satisfy business and personal needs instead.

Adopting a plan can be a challenge, however. There are many types of plans available today. These plans offer a variety of features and benefits. In addition, a plan must integrate with other benefit programs for maximum effectiveness. Making the right choices at each step during the adoption process is critical to ) the ultimate success of a plan.

That's where we come in. We can help you achieve the maximum advantage from a tax-sheltered retirement plan. We do this by offering individualized consulting services , creative plan design and easy to understand analysis.

Individualized services are the exception today, rather than the rule. Most retirement plan providers offer one-size-fits-all packages that are built around their capabilities rather than your needs. We don't do business that way. Whether you have a one-person business or a large enterprise with many employees, we start by asking about your situation and assessing your objectives. We talk with you and your advisors, to gather critical census and financial data. Then we sit down and study this information to make sure we understand what makes you and your business unique.

Creative plan design is a blend of art and science. The science of creative plan design requires detailed knowledge of the tax laws and regulations that apply to these programs. The art comes from understanding how different plans and plan features benefit particular employees or groups of employees. Because we know how to combine the art and science of plan design, we can construct a program that favors the individuals who are most important to you and your business.

There is no one correct answer to this question. For some, a quaLified profit sharing pLan is the most effective aLternative. Certain empLoyers find the features of a pension pLan better suited to their needs. Other businesses favor the administrative ease of IRA-based pLans. And sometimes a business benefits most by adopting more than one plan.

Because seLecting the right pLan is so important, we study all the alternatives. We test each one, to see how well it meets your needs and objectives.

Many businesses recognize the benefits achieved by combining tax-sheltered retirement plans with nonqualified arrangements.

Retirement plans are subject to limits on contributions and benefits. These limits can make it difficult or impossible to fully realize your asset accumulation goals using only a tax-sheltered plan. A nonqualified arrangement can plug the gap and ensure success.

Tax-sheltered retirement plans and nonqualified arrangements, such as executive bonus and split dollar plans, offer very different tax advantages. Because these advantages are complementary, combining plans reduces the risk inherent in long term tax planning.

Individualized consulting services and creative plan design are of little value if you get a proposal loaded with technical jargon and bewildering legal terms. That's why we work hard to give you information you can use. Our easy to understand analysis focuses on results:

Which employees are eligible?
What can you contribute and deduct?
How much will be allocated to each participant?

If there is more than one type of plan you should consider, we will put this information in a single report that displays the results side by side.

We offer individualized consulting services, creative plan design and easy to understand analysis... exactly what you need to ensure that you get the maximum return on your retirement plan dollars.