Plan for Unforseen Disasters!

by Tobi Cogswell

Take this opportunity now to beef up your retirement plan and avoid unforseen disasters.

Take advantage of cost savings both as an empoyer and as a plan participant.

1) Employer contributions to a qualified plan are tax deductible;

2) Employee deferrals into a 401(k) plan are pre-tax

Don't just plan for a dignified retirement, plan for the ability to roll with the punches no matter what nature or life throws at you. Help your employees plan for this as well.

As you read this I am stranded in Ireland by a volcanic disturbance no one could have predicted. I have thousands of dollars in unplanned expenses for hotels and meals, phone calls, emergency prescription refills and the uncertainty of when I'll be able to come home.

Think of your retirement plan as trip insurance. You don't want to have to be counting your pennies and sleeping in the airport. You don't want to worry. We are living longer now than ever before; make sure you have enough so you can have a great life after retirement, not just an adequate one.

ACI's consultants will help make that happen. We will partner with you and your financial advisor to ensure your plan is designed to help weather the volcanic storm.

Call us today at (310) 212-2600 for an analysis of your plan design. Buy some peace of mind and potentially cost savings at the same time. Ask for Jay Luber - I'm writing this from Ireland.

EFAST 2

Please view the presentation for more information on how to electronically file your 5500.

EFAST 2

View more presentations from Actuarial Consultants, Inc..

Do It Right The First Time

-By Tobi Cogswell

We recently took over two cases from another Third Party Administration firm. We got these cases because:

• The other firm wasn’t pro-active. Everything was done last minute or after the fact.
• The other firm did no consulting. No choices were ever discussed with the plan sponsor.
• The other firm did not look at the plan design and make changes at the same time the amendment and restatement for EGTRRA was done, thereby saving the plan sponsor some money on document costs,
• The other firm did not return phone calls!

We also took over a 401(k) plan from a different Third Party Administration firm and we got this case because:

• The other firm never discovered that a stand-alone 401(k) no longer met the needs of this growing law firm.
• The other firm never discussed the advantages of having a safe harbor 401(k) and how that would eliminate ADP test failures AND satisfy top heavy.
• The other firm never discussed the benefits of having a cash balance plan.
• The other firm never disclosed they were receiving revenue sharing from the recordkeeper.

At ACI:

• We don’t have to be taught about client service.
• We understand problem solving.
• We disclose all revenue sharing.
• We want to design plans that will grow with your business.

Tell your friends about us.

Jay Luber – (310) 212-2607 for prospect and new client issues,

Tobi Cogswell – (310) 212-2623 for prospect and new client issues, and 5500 reviews,
Jeff Esmond – (808) 389-5979 for all business in Hawaii