You may be able to save your clients $40,000 or more in taxes each plan year and allow annual contributions much higher than $100,000 with OnePersonPlus — the defined benefit retirement plan for small business owners AND for those with a substantial side or second income.

	It's easy to overlook side income even when it's from consulting or board of director fees!
	It's easy to overlook self-employment income from a spouse as suitable for a defined benefit plan when the spouse is the secondary income.
	But 50% or more of this money may be used to fund an IRS-approved defined benefit plan if your client is 50 or older and doesn't need it to maintain their lifestyle.

A great alternative to the SEP IRA:

OnePersonPlus can help you help your clients to better grow their retirement savings and minimize their tax bite AND allow them to invest more into their retirement savings than in a SEP IRA which carries a strict 25% cap or a 401(k).

Make sure your clients aren't "leaving money on the table." Both you and your clients may have more assets to work with than you realize.

Many affluent clients pay far more in taxes than they need to — and assets that could be invested in retirement accounts are unnecessarily paid to the government in current income taxes.

Fourth quarter is the ideal time to do an annual client review — that's when your client still has time to take action to cut taxes for 2005. Defined Benefit plans must be opened prior to the end of your client's fiscal year.

Contact your clients to see if you can help them save on their taxes

Ask clients specific questions to see if their side or second income qualifies them for a defined benefit retirement program.

If so, that new stream of self-employment income might be the key to cutting taxes and increasing retirement savings.

A special note: With a defined benefit plan, the rule of thumb is the older the client, the more that can be invested tax-deferred.

	Individuals working for employers with company retirement plans who also have income on the side. Look for executives who serve as independent directors on corporate boards and university professors who do consulting or write books. Explain how self-employment income from a side business may allow them to establish a OnePersonPlus retirement plan even if they participate in a company plan! See how an individual with substantial primary income may be able to contribute nearly all his or her side income to the plan. Run a proposal now.
	Affluent clients with self-employed spouses. Look beyond your primary clients — the corporate executivea with 401(k)s. Their spouses may be independent contractors, real estate agents, part-time self-employed attorneys, graphic artists or any of numerous other common self-employed occupations. If the couple can live on the primary income, it might be possible to contribute 50% or more of self-employment income of the spouse to a OnePersonPlus.

Looking for new clients?
Dip your hand into the deep well of leads:

Professors with income on the side: Is there a university or college in your town? Every college posts bios of their faculty on their Web sites. Read about faculty in the professional schools — Business, Medical, Law, Engineering — you'll learn about their income-producing extracurricular activities, along with their phone number, email and mailing address. Not sure what to say? Adapt letters we've developed to fit your clients.

Boards of Directors: Most public corporations post the names of independent directors on their Web sites. Look up the companies in your area on the Internet for the names of their directors. While this is side income for most of them, it can be as much as $200,000 a year or more if they hold positions on several boards.

Go to OnePersonPlus.com for more information

Confused about limits to a defined benefit plan? Here's why — the limit is on the allowable benefit, not the contribution.

	The benefit is the projected amount your client's plan will pay out annually in retirement.
	The contribution is what your client pays in each year while participating in the plan to accumulate enough to make the pre-determined annual benefit.
	The accumulation, also called the benefit commitment, is the total amount in the plan at retirement.

Unlike defined contribution plans (e.g., 401(k)s, SEPs, SIMPLEs, etc.) which have limits on the amount that can be contributed, defined benefit plans have limits on the benefit that can be paid out. Read more about benefit limits and how the plan's annual contribution, accumulation and annual benefit work. What is the maximum amount I can contribute?

Please Note: the mailing address to send the plan Set-Up Questionnaire and Set-Up fee has changed. Please send mail to:

Dedicated Defined Benefit Services
2555 Flores Street, Suite 555
San Mateo, CA 94403