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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But in reality, what we can do is we can target the youngest person in your company who's also maybe paid the least.
And then because they're so far away from retirement, they're not going to get as much and evens out
evens out the entire employee pool with their contributions.
Yeah.
And it goes against what a lot of people think of retirement plans is the fairness rule.
I used to say this all the time.
Annual testing is fairness.
You got to give something to your employees for you to give something out of yourself or give something to yourself.
And
when you do new comparability that kind of goes out the door you can target individuals and say i want to take care of this person the most because it's my mission critical key employee
On paper, on the calculation.
And we can change that year to year.
So every time we do a profit sharing calculation, we can say, we want employee number six to reap the benefits this year.
And next year, we want to switch it over to employee number two, because maybe one of your older staff fell off, they quit, they retired, whatever it is.
But we're able to actually say, I want this person to get most of the benefits.
But since they're the youngest and least paid, the equation turns out to be
the same as one of the older.
So you can do that.
The other thing you can do is quite, quite interesting where let's say you have a larger company and you have, we've got, we actually just finished up a couple of plan designs on this one and it was a doctor's group.
Okay.
Showing 101–120 of 364 · page 6 of 19
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