For your successful small business clients, a OnePersonPlus defined benefit plan can cut taxable income by $100,000 or more while adding to their retirement investments. Contributions to OnePersonPlus defined benefit (DB) plans average $130,000 and the entire amount is a deduction against 2007 earned income. These plans work best for owners of 1-5 person companies who are age 45 to 70.

Which clients will appreciate a phone call this month?

Here are five client solutions that could still save your high income clients $40,000 or more in taxes for 2007 and add $100,000 or more annually to their retirement investments for you to manage. Who do you call first?

Independent Consultant Reduces Taxes

James, age 56, peak earning years, annual income $300,000 but his tax bill is also large.

Solution: A OnePersonPlus for 6 years

• Annual Contribution: $190,000
• Annual Tax Savings at 38%: $72,200
• Accumulation at Retirement: $1,309,236

Corporate Executive Secures Retirement with Side Income

Trisha, age 47 is Chief Marketing Officer at a high-tech, high-risk start up earning $250,000 and participating in the company 401(k). Her side income from speaking engagements and Corporate Director activities is more than $200,000 annually.

Solution: A OnePersonPlus based on her side income

• Annual Contribution: $97,376
• Annual Tax Savings at 38%: $37,000
• Accumulation at Retirement: $2,182,061

Real Estate Couple Diversifies

Christine, age 58, and Bill, age 60, are married and each earns $225,000 a year. Most of their savings are invested in real estate. Now they are ready to balance the risk of real estate with more diversified investments.

Solution: A OnePersonPlus invested in mutual funds

• Annual Contribution: $305,601
• Annual Tax Savings at 38%: $116,128
• Advisor creates conservative portfolio to build to $2,036,388 over the next 7 years
• Projected Combined Annual Benefit: $180,000 or they can roll the lump sum into IRAs.

Dentist Moves Up Retirement Date

Mollie, age 55 has a thriving dental office, with 3 younger employees. She’s worked hard to get to this point, with revenues more than $400,000 a year, and would like to retire by age 62.

Solution: A OnePersonPlus with maximum retirement plan contributions for 7 years for business owner.

• Annual Contribution: $184,766
• Annual Contribution Total for 3 Employees: $33,789
• First Year Tax Savings for Mollie: $70,211
• Accumulation at age 62 for Mollie: $1,527,442
• Projected Annual Benefit for Mollie:$126,000

Engineer Builds in Flexibility by Adding a 401(k)

Kumar, age 50, a software engineer, will earn about $135,000 from his S-Corporation in 2007. He wants as high a contribution as possible in 2007 but his income might be lower next year.

Solution: A OnePersonPlus and a one person 401(k)

• Annual Contribution to OnePersonPlus: $70,000
• Optional Contribution to a 401(k) this year: $28,600
• First Year Tax Savings: $26,600
• OnePersonPlus Accumulation at Retirement: $1,146,991
• Projected Annual Benefit:$94,616