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Team Cocco Financial Planning

Business Sponsored Benefits

IFR Module 264 — Retirement Cash Flow Gap & Business Benefits Calculator

Key Insight: Many employees face a significant decrease in Cash Flow as they enter retirement. A variety of Business Sponsored Benefit programs are available to assist key employees achieve personal financial balance and success. A well designed Retirement Plan may also help a business attract, retain, and reward key employees.

Target Audience

Select the audience type to tailor the business benefits discussion:

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Owners or Key Employees

Selective benefit programs targeting top talent, owners, and executives. Discriminatory plans that reward specific individuals.

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Owners and All Employees

Broad-based benefit programs covering the entire workforce. Non-discriminatory plans with equal access for all employees.

Selective Programs (Key Employees): Executive Bonus Plans (Section 162), Deferred Compensation, Split-Dollar Life Insurance, Supplemental Executive Retirement Plans (SERPs). These allow business owners to target specific individuals for retention and reward.

Retirement Cash Flow Calculator

Assumptions
Guaranteed Retirement Income
Examples: Social Security, pension, annuity income, or any guaranteed income stream the employee will receive in retirement.
Business Sponsored Benefits
The Solution: Business-sponsored benefit programs fill the retirement income gap. Try entering $100,000 to see the impact on the chart.
Team Cocco Financial Planning — IFR Module 264 Business Sponsored Benefits — For educational purposes only. Not investment advice.