Lighten the Load

Which of your clients complain about paying $40,000 or much more to the IRS? See how much you can save them and turn that pain into a gain for your clients and you.

Talk to them now — before they contribute to a SEP or 401(k) for 2009 — about setting up a defined benefit pension plan for 2009. Contributing to another plan may make it impossible to get much larger tax deductions for 2009.

First year contributions to a OnePersonPlus Defined Benefit (DB) plan average $120,000 — which is entirely deductible against 2009 earned income. On average, these contributions will continue for 8 years — that's more than a $1 Million in new assets for you to manage.

Who'd Benefit from a OnePersonPlus DB?

OnePersonPlus plans work best for owners of 1-5 person companies, who are age 45 to 70. Learn more about who's eligible.

Three Typical Clients — Recognize Them?

• Consultant Wants Large Deduction
• High Income Couple Maximizes Contributions
• Spouse's Income Creates Retirement Wealth

Independent Consultant Wants Maximum Deduction

James, Management Consultant, age 52, annual W-2 income of $300,000 — looking for a way to reduce taxes and significantly rebuild his retirement assets.

Solution: A OnePersonPlus pension plan for 10 years

• Annual Contribution: $134,600
• Annual Tax Savings at 38%: $51,100
• Accumulation at Retirement: $2,363,000
• Annual DB Benefit in Retirement: $195,000

Adding a 401(k), James could contribute an additional $36,700 for a total deduction for 2009 of $171,300 — more than 3 times what he could put into a SEP or 401(k) alone.

Medical Couple Maximizes Contributions to Build Portfolio

Christine, age 58, and Bill, age 60, are married, each earning $245,000 a year from their anesthesiology practice.

Solution: A OnePersonPlus for Five Years

• Annual Contribution for Christine: $180,000
• Annual Contribution for Bill: $171,800
• Combined Annual Tax Savings at 38%: $133,600
• Advisor creates conservative portfolio. Christine's builds to $1,155,000 over the next 5 years when she turns 63 and Bill's totals $1,103,000 when he reaches 65.
• Projected combined annual benefit: $195,000 or they can roll the lump sum into IRAs.

Spouse's Income Creates Retirement Wealth

Teresa, age 60 is a sole proprietor earning $70,000 each year after paying self-employment taxes. She's married to a high-income earning executive, and they both plan to retire in five years. They don't need Teresa's income to maintain their lifestyle. They want to defer current taxes as much as possible.

Solution: A OnePersonPlus for 5 Years Saves 100% of Earned Income

• Annual Contribution: $70,000
• Annual Tax Savings at 38%: $26,600
• DB Accumulation at Retirement: $449,000
• Annual DB Benefit in Retirement: $39,700

Now Is This Time to Talk to Your Clients

While the pain of paying high taxes for 2008 is still fresh, your high income clients — doctors, consultants, small business owners and the self-employed — will welcome a solution that lets them shelter more of their income in 2009 through large annual contributions.

Present a Proposal at your next meeting!

Visit our Sales and Marketing page for sales tools to help you close the sale, including:

• Program Highlights for Clients
• Order Brochures
• Maximum Contribution Chart
• FAQs