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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So this is pretty relevant to the podcast where we had a group of doctors, medical professionals at the top, and they were the owners and,
And then we had some physician's assistants in the middle, and then we had a big chunk of staff.
We're able to remove whole departments from eligibility from profit sharing.
So where they still get the match, like if we're using the Safe Harbor 401k on the bottom layer, but we're only targeting the physician's assistants and the ownership.
And there's some there's some definite equations in there that we want.
We'd like to see 25 people in that middle group if we care in the total eligibility.
But you're actually able to remove full departments out of your equation to help get more of those dollars over to the ownership.
Yeah.
So, you know, thinking of optometry industry, right.
You have the, the, the doctors that they're mostly time they're the owners.
Um, they're also considered highly compensated employees.
And that definition is that either own 5%, it could be a spouse or you pay them over 155,000.
The owners and highly compensated employees are, are a full category.
Okay.
Those are easy.
The IRS doesn't care about highly compensated employees.
They only care about the non highly compensated employees in terms of fairness.
So we would say those are one category.
And then we'd clump a bunch of other ones together, which would be like the physician's assistants or
maybe even like nurse practitioners in some medical fields, things like that.
Showing 121–140 of 364 · page 7 of 19
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