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.

Trend

recordings per month · last 12 months

No recordings in the last 12 months.Older appearances are listed below; set an alert to hear about the next one.

Appearances

newest first · ▶ plays the moment

The Optometry Money Podcast · Profit Sharing Demystified: How Optometry Practice Owners Can Maximize Their 401(k) with Matt Ruttenberg · 25 Sep 2025 podcast

So the overall concept is we want the owners to get that money.

And we run off of these efficiency ratings.

But out of the, let's say a client says, hey, I got a $50,000 that I need to get off the books because my CPA is telling me that I have a tax bill I need to get rid of or 100,000 or 200,000.

And the goal is to get most of that money in the hands of the business owner.

The variables involved in all these different kinds of calculations, we run them from all these different angles.

age is a big factor in this age, age weighted.

So the closer your employees are to closer to retirement, the more they're going to get.

And then also at the same time, tenure with the company that's that goes into the category.

So let's say you are the oldest person in the room, for example.

So you as the owner are the oldest person in the entire company.

That is phenomenal.

We're able to get you absolutely the mass majority.

We're shooting for

maybe 80% efficiency rating, where 80% of the money goes to you and 20% goes to the employees.

However, on the other end of it, let's say you are the youngest person in the room, in your company, and all of your staff is older than you, and they make pretty good money, that's gonna be more that you're gonna have to give to them.

So that's one of the variables, but it's a very, very, very important part of the equation on why and when and what type of calculation.

But let's say there's a range.

OK, so let's say you're kind of right in the middle.

Your age is, say, 40 years old and then you have 60 year old employees and then you have 20 year employees.

And now we've said discrimination is not part of the equation with these.

Showing 81–100 of 364 · page 5 of 19