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Are my company's key employees (including me) able to set aside enough money for retirement?
Key employees often do not receive enough retirement benefits from other company provided programs to replace their income in retirement. Recent market conditions have widened the income gap. Effective executive benefit programs can help close this gap.
Tools to help you plan
- Check out the Retirement Income Concepts Guide (PDF: 170 KB) for ways business owners & key employees can save for retirement.
- Read the Nonqualified Deferred Compensation: Understanding Plan Sponsor and Participant Expectations (PDF: 1.2 MB) White Paper for understand the needs and expectations plan sponsors and participants.
If I had an accident or severe illness, could I still meet my retirement savings goals?
Business owners underestimate the negative impact an accident or illness can have on a person's ability to achieve his/her retirement goals. A proper insurance solution can help them and their key employees protect against this risk.
Tool to help you plan
- Determine how much you may need to be protected with the From Here to SecuritySM program:
Is there a way I can fill the gap in my retirement account created by recent market conditions in the event of my premature death?
With retirement account balances negatively impacted, the amount of assets available to your dependents in the event of your premature death may have declined. You may be able to restore these assets using a properly designed insurance program.
Tools to help you plan
- Determine how much you need to be protected with the From Here to SecuritySM program:
How have recent market conditions impacted the value of my business as it relates to my retirement and exit strategy?
You may have been planning to fund your retirement, either in whole or in part, by selling your business. Your business value may have been impacted by current market conditions. It is important to know the current value, and learn how you might bridge the gap for retirement planning purposes.
Who can help you plan?
Contact your advisor and ask for a business valuation or buy-sell review of your company and situation. Or find a financial professional near you.
