®
®
EMPLOYER BENEFITS
Integrated Benefit ProgramSM
Copyright 2003
» Maximize health savings
» Discount healthcare expense
» Protect against "unknown" shock healthcare expense
» Enhance group health and retirement benefits
STRATEGY
Based upon each employer's distinctive circumstances, utilize any combination of the following 5 action steps:
Assure lowest group health cost.
|
Richardson & Associates represent the most competitive - high quality insurance companies (conventional premium) and third party administrators (partial self-funding) on a continually upgraded basis - to assure the lowest group health cost. |
Provide employees the option and incentive for increased deductible retention on an individual - voluntary basis.
|
This will further reduce group health premiums for individuals selecting increased deductibles. |
Provide employees the opportunity to "discount" reduced group health premiums by the amount of their combined tax bracket.
| Reduced group health premium can be further discounted up to 40% via this attractive IRC qualified program. |
Provide employees the opportunity to discount... non-insured healthcare / related expense by the amount of their combined tax bracket - FSA or HSA
|
Non-insured healthcare / related expense can be discounted up to 40% via these attractive IRC qualified programs. |
V. Provide employees a voluntary ROTH IRA Payroll Deduction Plan, to supplement or
replace an existing retirement plan, thereby:
Facilitating a reduction in retirement plan cost [401(k) administration /
contributions, etc.]
Enhancing employee retirement plan benefits
Providing
"shock" loss protection against unknown health
expenses
|
Pre-Retirement…
contributions may be withdrawn anytime without penalty -
tax-free, e.g.
“shock” healthcare expenses, etc. 1. Retirement…
100% tax-free benefits after age 59 ˝ and five years. 1. Post
Retirement… eliminates mandatory withdrawals at age 70 ˝
[Standard IRAs, 401(k)s, etc.]. ROTH IRA’s
may be transferred to estate tax-free. 1.
Notes: |
|
For more information or a proposal: E-mail JER@fortunefinancialservices.com Indiana 1-800-847-2702 Telephone 1-812-378-4444 Fax 1-812-378-4445 |
Security Sales licensed in the State of Indiana
Securities offered through Fortune Financial Services Inc., Member FINRA
1010 3rd Avenue, New Brighton PA 15066 · 724-846-2488
Richardson & Associates Inc. is independent of Fortune Financial Services Inc.
Copyright © 2003 Richardson & Associates Inc. All rights reserved.