You can help small business owner have a better future

YOU CAN HELP SMALL BUSINESS OWNERS

HAVE A BETTER FUTURE

Help small business owners preserve what they have built Guide small business owners to achieve the retirement life they want Enable small business owners to protect their assets from catastrophic loss Create a profitable business model for your organization

What Kind of Small Business Owners Can Benefit: •

Profitable small business owners with fewer than 10 employees Can be any line of business Form of business doesn’t matter – sole proprietor, Sub S, C Corp, partnership, etc.

Tax-Advantaged Strategies for Small Business Owners • • • •

Reduce Current Taxes Build Future Wealth Protect Assets Create a Legacy Distribution

r Distribution Solution • Reduced Taxation • Tax Free Income • Tax Free Death Benefits • Living Benefits Enhanced Income Strategies • 100% Deductible • Partially Reportable • Tax Free Income • Tax Free Death Benefits

Accumulation

Tax Qualified Plans • 100% Tax Deductible • Protected from Creditors • Retirement Accumulation

4 Questions to Ask Small Business Owners • • • •

Was your business profitable last year?

Do you expect the business to continue to be profitable going forward?

Do you have available cash flow?

Would you like to reduce your tax bill?

If “Yes” is the answer to all 4 questions, the small business owner is a candidate who can benefit.

Next Step If you have a small business owner that you think can benefit from these tax savings strategies contact Pentegra Retirement Services. We will work with you and your small business owner to find and put in place a custom designed solution to reduce taxes and build wealth.

Contact: Mary Read CPC, QPA, National Director of Pension and Protection Planning, Pentegra Retirement Services, cell 802-477-2018, mread@abgpentegra.com

Consider using employer matching contributions as a way to incent

participation.

Pentegra is different. Our heritage serving financial institutions since our founding as a not-for-profit cooperative in 1943 has shaped a culture based on integrity, service, and accountability. Our 70 years of experience running some of the largest multiple employer plans and group trusts in the U.S. make us one of the nation’s premier providers of fiduciary outsourcing, MEP, and group trust services. With over 3,500 plans we are one of the largest Third Party Administrators (TPAs) in the country and have the flexibility to serve with a variety of industry partners such as insurance and mutual fund companies. Our focus is singular, our expertise is deep. We handle all types of qualified plans: defined benefit; defined contribution; not-for-profit and governmental plans; specialty plans such as 412(e)(3), cash balance, and ESOP; and a broad array of advanced designs such as new comparability, carve-outs, and combo plans.

At Pentegra, we take a different approach to retirement plans—one that translates into distinct advantages for our clients, participants, and partners.

Pentegra Retirement Services.

Our difference is

your advantage.

Mary Read CPC, QPA is National Director of Pension and Protection Planning at Pentegra Retirement Services. A leading authority in qualified retirement plans with more than 30 years experience, Mary has an extensive background in plan design. Mary is a frequent speaker on qualified plans and contributor to industry publications. Among her credits she has been published in National Underwriter and the Pension Newsletter of the Society of Financial Service Professionals, has taught pension classes across the country for major financial institutions and been a featured speaker at national meetings for the Society of Financial Service Professionals, AALU, LIMRA and MDRT. She is the current National Chair for the Qualified Section of the Society of Financial Service Professionals. Mary is the author of the book My Business is My Main Asset. I Want to Retire. Now What?. Mary holds the prestigious Certified Pension Consultant (CPC) and Qualified Plan Administrator (QPA) designations from the American Society of Pension Professionals and Actuaries.

Mary Read, CPC, QPA National Director of Pension and Protection Planning Pentegra Retirement Services 5250 77 Centere Drive, Suite 450 Charlotte, NC 28217 Cell 802-477-2018 mread@abgpentegra.com www.pentegra.com

2 Enterprise Drive, Suite 408 Shelton, CT 06484-4694

800•872•3473 tel 203•925•0674 fax www.pentegra.com