Matt Ruttenberg
speaker
364 appearances
1 recordings
1 series
first heard Sep 2025
last heard 25 Sep
Matt Ruttenberg’s voice in public audio — every appearance, attributed to the second.
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Appearances
Who's the what's the priority?
I should say owner.
Is it the employees?
And the second question is, how much do you want to allocate towards this?
And if if we know that they want to max out as much as possible.
we're going to design it one way.
If we're not sure, we're going to design it another way.
And a lot of people, I think it's due to maybe a lack of education from the provider where it's match versus a contribution.
When does that make sense?
When does it not?
And the other part of that equation is
have you pulled your employee pool?
If you offer a 401k, are they going to contribute too?
Industry is a big part of this equation too, you know, whether they're going to contribute or not.
And, you know, sometimes if they say no one's going to contribute, then we'll go with the match because if no one's contributing, there's no match, right?
No less out of pocket.
But most of the time in the medical field, we're going to get a larger contribution rate from the employees.
So
That bottom layer that we've talked about a couple times now, when you add profit sharing on top, and the profit sharing is discretionary from year to year, right?
If you have a great year, you use it.
Showing 221–240 of 364 · page 12 of 19
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