Selective Benefits for Owners and Key Persons

 As an owner/shareholder, you are also most likely to be a Key Employee.  Do your company benefits conform to your personal and financial needs, or are they just taken "off the shelf"?

Beside you, is there someone in your business that is a key player?  Would you or the business suffer if you lost that person?  What would happen if he or she became someone else's key employee (or your key competitor)?

Is there someone inside or outside your business that has expressed a desire for some ownership?  Have you explored alternative ideas, such as phantom stock, golden handcuffs, non-qualfied deferred compensation, that may be equally rewarding but less expensive?

Are you aware of the ways you can legally discriminate in favor of shareholders and key employees?

What is the difference between "qualified" and "non-qualified" plans?  Which can work best for you?  And, why should you care?

If you don't know the answers to these questions, or don't like the answers you have, we can help.  We will work with you to survey the various options available with regard to your objectives and your budget, whether your focus is on exclusivity, tax deductions, tax-favorable income, or enhanced benefits.