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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And then the bottom would be maybe the receptionist desk or back office team that you can remove that.

So those tend to need to have larger employee pools, maybe 40 to 50.

And then underneath that, we're just doing the targeting if it's a smaller company.

Very similar with that, with that new comparably new comparability age based.

It's like, yeah, the older you are, the more you can put into it when you're targeting and things like that.

So very, very similar equation, just a little bit more on the back end when you're going to the defined benefit side of it.

Yeah, very, very important, actually.

So we, it has to do with your entity structure.

Okay, so LLC, are you filing as an S Corp?

Are you filing as a C Corp?

And S Corp is very, very important.

And we generally have income planning meetings before the end of the year because everything is based on your W-2 if you file as an S Corp.

So if you file as an S Corp and you have, let's say you don't pay yourself a salary at all,

You're just taking distributions.

There is no income to calculate any of these contracts.

You can't do the bottom layer with the 401k and you certainly can't do any profit sharing contributions either when you're operating as a S-corp.

If you're operating as an LLC or so a single member LLC is common or even just a sole proprietor even.

And, you know, a lot of people would just outsource their staff or they use staffing companies or things like that.

It's based on your net, your net income after expenses and things like that.

And that's what those calculations are based on.

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