Add Value for These 3 Clients

21st Feb 2016

3 Big Impact Recommendations for 2016

Looking to deepen your relationship with any high income clients? Here are three approaches you can use to restart the conversation and add value for the right clients. If you don’t have time now, that’s okay. We can remind you later.

1. Self-employed with High Earned Income

Recommendation
Do you review tax returns annually? If Schedule C, Line 31 for 2015 is high, you can help the right client add $100,00+ to investable assets annually by establishing a Defined Benefit plan. They can maximize deductible contributions for 2016 and significantly lower their AGI.

Client should not contribute to a SEP for 2016 if they want larger deductions.

Tax Savings = 35-50% of contribution
Tax Savings
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NOTE TO SELF:
Identify clients with high earned income or

Remind Me Later
2. High Income Clients Age 70+
Smiling Old Businessman

Recommendation
Thanks to the PATH Act of 2015, clients can make charitable donations up to $100,000 directly from IRA or 401(k) instead of taking RMDs
Savings
Lowers taxable income up to $100,000

NOTE TO SELF:
Check client ages or

Remind Me Later
3. Owner of Profitable Business with 1-10 Employees

Recommendation
Partnerships, S-Corps., and other business entities with strong consistent cash flow can establish a Cash Balance Plan plus a Safe Harbor 401(k) Profit Sharing Plan to make large, tax-saving contributions for the owners while limiting and controlling the cost of retirement benefits for employees.
Savings
Triple the contributions on behalf of owners; 30-50% of contribution that would have gone to taxes can be added to retirement savings.
OwnersPlus Program Highlights
Maximize Contributions, Control Costs:

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