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  412(i) Pension Plan

See 412(i) Tax deductions and Retirement Contributions on your own tax return

Find the right retirement solution for your Business. Do a feasibility study today.
Very Popular -- Right Now

Baby Boomers
  • Few Years Until Retirement
  • Need to Make Substantial Contributions

    412(i) Plans Allow Older Employees:
  • Highest Contributions
  • Highest Retirement Benefits


    Why are the Contributions So Much Higher?

    Defined Contribution Plans Contributions Limited to Lesser Of:
  • $44,000* or
  • 100% of Salary

    412(i) Plan
  • No Dollar Limit on Contribution!


    Comparison to Other Qualified Plans

    First Year Contributions
    Contribution % Higher for 412(i)
    Att Age/Ret Age Profit Sharing* Trad. Def. Benefit* 412(i) Plan* Profit Sharing Trad. Def. Benefit
    Ethan 45/52 44,000 88,397 172,828 293% 96%
    Steve 50/62 49,000 149,126 217,610 454% 82%
    Jeff 55/62 49,000 216,902 369,318 654% 70%
    Jim 60/65 49,000 224,434 369,921 655% 65%
    Contribution Up To 655% Higher in 412(i) Plan

    *Assumes max. contribs. & max. life ins. for 2006. Trad. Def. Ben. Uses PTWL100 Pref, 412(i) uses PTWL3 Pref. & PTAPRA-3B


    Defined Benefit Plans

  • Plan Formula Determines Pension at Retirement
  • Annual Contribution = Amount Needed to Provide Pension at Retirement
  • No Max. Limit on Individual’s Annual Contribution (Maximum Dollar Limit on Pension Benefit is the lesser of 100% Salary* or $175,000** )

    *100% of average of highest 3 consecutive yrs. of salary
    ** 2006 limit, amount indexed and may increase each year.

    If you are an Older Business owner concerned about Maximizing Tax deductible contributions and building Maximum Retirement savings within a Qualified Plan, find out which Retirement solution is right for you. Simply fill out our easy Feasibility Study.

    		• Nathan Simmons
    Wealth Solutions
    6851 S. Holly Circle, #200
    Centennial, CO 80112
    720-839-8902
    303-694-2201 fax

    Nathan Simmons Registered Representative of and offers securities products and services through Park Avenue Securities LLC (PAS) 7 Hanover Square, New York, NY 10004. Nathan Simmons Wealth Solutions is not an affiliate or subsidiary of PAS. PAS is a member NASD/SIPC.

    The Registered Representative is securities licensed in Colorado and is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.
    Disclaimer