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Article Date:
February 2013

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Retirement Plan Design When You Have Employees

By Stephen Abramson, ChFC, CLU, CPC


Your retirement plan design becomes more complicated when you have employees because discrimination rules likely require that you contribute on behalf of at least some of the employees.


With no employees, you have a number of straightforward options, as we discussed last month in the article Choosing the Right Retirement Plan Design.


In this article, we are not going to get into the details of plan discrimination and funding rules. Instead, we are going to explain six options that you can use should you desire a retirement plan that covers you and your employees.


Further, the options we explain work with all business entities such as corporations and proprietorships. In this article, we use the corporation and give you, the owner, a salary. If you operate as a proprietorship, your retirement contribution ... Log in to view full article.

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