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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That's the key word is targeting.

We still go through your annual testing.

Like you mentioned, non-discrimination issues.

We can't cut out for the most part

any employees inside of a qualified plan.

So this is a qualified plan, Profit Sharing 4K, it's considered qualified.

Now, once we get to this point, and we always ask our clients two questions.

Number one, what is your number one priority?

That's absolutely number one.

And the answer is multiple choice.

Is it you as the owner?

Are you trying to stockpile into retirement and tax save, or is it for your employees?

Or is it both?

And

If someone says my employees are my number one priority, we might go with the pro rata route.

But 99% of the time, the answer is going to be myself.

I'm doing this for taxes.

I've put in a lot of blood, sweat, and tears in this business.

It's my baby.

Now I want to reap some of the rewards off of my profits that have now shown up in my tax bill shoes, right?

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