Post Fiscal Cliff... what happens now? Retirement Plans After The Fiscal Cliff
Presented by: JO-ANN MASSANOVA, CPC, QPA, ERPA, CLU, CHFC, President/Owner, Estate & Pension Advisory Board
RETIREMENT PLAN CONSULTANT with 25 years experience and expertise in New Business Development / Business Strategies / Customer Relations
Topics to be covered include:
Post Cliff Tax Environment
-Affordable Care Act
-The American Taxpayer Relief Act of 2012
•Current income tax rates unchanged
•New higher marginal tax rate
•Hidden tax increase
-Obama Budget proposals
-Opportunities for Retirement Plans
• Contribution and compensation limits
•In-Plan Roth Conversions enhanced
-Tax qualified retirement plans
•Provide best deductions and vehicles to accumulate funds for retirement
•Options to consider to increase deductions and reduce tax costs
Retirement Plan Design
-Information needed to design a retirement plan
-Basic Concepts of Qualified Plans
-401(k) Plans
•Defined Contribution Case Study & Comparisons
-Cash Balance Plans
•What is a hybrid plan?
•Highlights of cash balance plans
•Appeal of cash balance plans from the employer & employee perspectives
•Cash Balance Case Study
Agenda:
Registration, Networking & Breakfast: 7.30 am
Program, followed by Q&A Session: 8.00 – 9.30 am
NO CHARGE for Current SFSP Members; $45 for Non-Members*
(*non-members who join the Chapter within 30 days of the event will receive a full refund of registration fee)
