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ERISA Expertise
LLC
Software Development & Training Services for Advisors and
Plan Service Providers
Note our new address and
WARNING!!!
We no longer update all
information on this website.
Please contact us if you desire an update
relative to any information provided herein. |
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We
Provide ERISA Expertise |
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ERISA
Expertise empowers retirement, financial services
and investment professionals, and retirement plan
service providers with tools and technology to sell,
administer and communicate qualified retirement
plan benefits and features.
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CE/CPE/CLE accredited consultative
sales training programs and seminars -
Web-enabled tools
& technology facilitate:
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secure collection and dissemination of confidential privacy protected
information
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illustration of
unprecedented retirement and estate planning opportunities
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formulation of plan studies
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drafting of plan documents
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reporting and disclosure requirements
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Plan Limits for 2008 & 2009 |
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Limit |
2008 |
2009 |
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401(k) |
$15,500 |
$16,500 |
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401(k) "catch-up" |
$5,000 |
$5,500 |
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Defined Contribution |
$46,000 |
$49,000 |
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Defined Benefit |
$185,000 |
$195,000 |
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Compensation |
$230,000 |
$245,000 |
Learn more about the 2009 Plan Limits
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Pension Protection Act Provides Significant
Planning Opportunities |
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PPA 2006 provides
unprecedented
retirement and estate planning strategies for
small
business
owners (owner-only employers and employers
with 1 to 500 employees) and high net worth
individuals. Retirement planning strategies
that permit small business owners to shelter an
additional $100,000 or more in their
qualified retirement plans at little or no
additional cost to fund employee benefits.
Estate planning strategies that permit high net
worth individuals to transfer multi-millions to
heirs that they receive
100% free of income tax.
The following contribution/benefit maximums are
achieved under PPA 2006's new rules for combined
plans (results subject to individual employer
census):
Cash Balance
&
Profit Sharing/401(k)
Plans
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Age |
'09
Range of Contribution/Benefit |
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35 |
$49,000 - $101,000 |
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40 |
$49,000 - $118,000 |
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45 |
$49,000 - $139,000 |
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50 |
$54,500 - $172,000 |
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55 |
$54,500 - $208,000 |
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60 |
$54,500 - $255,000 |
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65 |
$54,500 - $268,000 |
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News for December 15, 2019
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Tools & Technology |
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Roth 401(k) Analyzersm
The first and only
calculator
to provide side-by-side
graphic illustrations that compares projected distributions from
a taxable
pre-tax account (at 3
different tax rates) to tax-free
distributions from a
Roth account.
More than just a
calculator, the Roth 401(k) Analyzer is a report generator tool that
permits advisors, HR profes-sionals, or plan participants
themselves to prepare comprehensive analysis reports. Learn
more
ERISASFVtm
Secure File
Vault
The first and only
secure file vault designed to address the specific needs
and desires of ERISA professionals and retirement plan service
providers.
ERISAsfv
facilitates secure
collection and dissemination
of confidential privacy protected information, and large files
via the web using SSL encryp-tion to insure a secure environment.
Access to secure files is permitted by user level and file category as
specified by the advisor, service provider and/or the client.
Learn more |
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Roth 401(k): Retirement and Estate Planning
Opportunities |
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Starting January 1, 2006, employers may add a Roth
401(k) option to their new or existing plans. A Roth 401(k) feature permits after-tax salary
deferrals by all eligible plan participants, regardless of their adjusted
gross income.
Investment income in Roth
401(k) accounts is 100% income tax-free, and qualified Roth 401(k)
distributions are 100% income tax-free.
Learn more
The Roth 401(k) offers
participants benefits never before available; benefits that are now available
indefinitely since the Pension Protection Act of 2006 extends
Roth 401(k) beyond
plan years ending in 2010. Learn
more
Learn more
about Roth 401(k) at:
www.roth401kinfo.com
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