{"id":18208,"date":"2015-11-04T11:00:00","date_gmt":"2015-11-04T16:00:00","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/11\/business-report-defined-benefit-plan-is-back.html"},"modified":"2017-11-08T13:47:12","modified_gmt":"2017-11-08T18:47:12","slug":"business-report-defined-benefit-plan-is-back","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/11\/business-report-defined-benefit-plan-is-back\/","title":{"rendered":"Business Report: Defined Benefit Plan Is Back"},"content":{"rendered":"<div class=\"img-left\">\n<div>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"steve kyne c.jpg\" src=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/11\/steve20kyne20c.jpg\" width=\"150\" height=\"235\" class=\"alignleft\">\n<\/div>\n<div class=\"img-caption\">\n<p>Stephen M. Kyne, partner, Sterling Manor<br \/>\nFinancial LLC, Saratoga Springs.\n<\/p><\/div>\n<\/div>\n<p>BY STEPHEN M. KYNE<\/p>\n<p>Are you a small business owner who wishes<br \/>\nyou could save more for retirement, and<br \/>\nget a bigger tax deduction than the $53,000<br \/>\ncurrently allowed in your Defined Contribution<br \/>\n(e.g. 401(k) with profit sharing) Plan? If<br \/>\nso, then you will be happy to know that there<br \/>\nare other options that could allow you to<br \/>\nmake more than $200,000 in tax-deductible<br \/>\nretirement contributions each year.<\/p>\n<p>Now that the economy has largely recovered<br \/>\nfrom the recession, many business owners<br \/>\nare finding themselves in an interesting<br \/>\npredicament:<\/p>\n<p>1. They&#8217;re six years closer to retirement,<br \/>\nand they&#8217;re afraid of another recession wiping<br \/>\ntheir savings away.<\/p>\n<p>2. Their businesses are running full-steam,<br \/>\nand they are finding themselves looking high<br \/>\nand low for tax deductions each year.<\/p>\n<p>3. They want to guarantee a pension for<br \/>\nthemselves in retirement to maintain their<br \/>\nstandard of living.<\/p>\n<p>For years, the go-to option for retirement<br \/>\nsaving has been the 401(k), and its similar<br \/>\ncounterparts, called Defined Contribution<br \/>\nplans. But, for business owners who need to<br \/>\nsave more, or who want to generate larger<br \/>\ntax deductions, the preferred option is the<br \/>\nDefined Benefit plan. Defined Benefit plans<br \/>\nhaven&#8217;t gotten much traction in recent years<br \/>\nsimply because many business owners didn&#8217;t<br \/>\nhave the income to shield from taxes.<\/p>\n<p>Today, business is back, and so is the Defined<br \/>\nBenefit plan.<\/p>\n<p>What is a Defined Benefit plan? In layterms,<br \/>\nit&#8217;s a pension. A Defined Benefit plan<br \/>\nallows you to determine how much income<br \/>\nyou would like, on a guaranteed basis, in<br \/>\nretirement, and then back into the total funding<br \/>\nlevel necessary to make that happen. You<br \/>\nliterally define your benefit. The higher the<br \/>\ndesired benefit, the higher the funding requirement,<br \/>\nand the more in the way of annual<br \/>\ntax-deductible contributions you can make.<\/p>\n<p>Would you like a guaranteed pension of<br \/>\nup to $210,000 in retirement? You can make<br \/>\nan annual tax-deductible contribution of up to<br \/>\n$260,000 to a Defined Benefit plan to make<br \/>\nthat happen. Those are the current limits.<br \/>\nOf course, a plan could be structured to<br \/>\nprovide less income, or accept lower annual<br \/>\ncontributions, and can be tailored to meet<br \/>\nyour specific needs and objectives. Don&#8217;t<br \/>\ncount yourself out just because you don&#8217;t<br \/>\nhave $260,000 annually to shelter from taxes.<\/p>\n<p>Defined Benefit plans can include different<br \/>\ntypes of investments depending on your<br \/>\ngoals. Your investment mix may depend on<br \/>\nwhen you want your plan to be fully funded,<br \/>\nor whether you&#8217;d like to maximize your deductible<br \/>\ncontributions.<\/p>\n<p>If you would like to fully-fund the plan<br \/>\nmore quickly, then using investments like<br \/>\nstocks and bonds may be right for you. Since<br \/>\nthese types of investments tend to appreciate<br \/>\nmore quickly, you may be able to fully-fund<br \/>\nthe plan in fewer years, with a lower total<br \/>\ncontribution.<\/p>\n<p>If maximizing your total tax deductions is<br \/>\nyour goal, then you may want to fully-fund<br \/>\nthe plan more slowly. The current low-rate<br \/>\nenvironment means that certain guaranteed<br \/>\ninvestments, like fixed annuities, may appreciate<br \/>\nmore slowly than stocks and bonds.<br \/>\nThat means it will take longer to fund the<br \/>\nplan, allowing you more in total tax-deductible<br \/>\ncontributions.<\/p>\n<p>To find out more about defined benefit<br \/>\nplans, and if one might be right for you and<br \/>\nyour business, be sure to consult with your<br \/>\nfinancial advisor and accountant. You have<br \/>\nuntil the end of the fiscal year to establish<br \/>\na plan, and until your tax filing deadline,<br \/>\nincluding extensions, to fund it. These plans<br \/>\nare highly customizable, so don&#8217;t miss an<br \/>\nopportunity to provide substantial benefits<br \/>\nfor you and your business!<\/p>\n<p><em>Kyne is a partner at Sterling Manor Financial<br \/>\nLLC in Saratoga Springs and Rhinebeck.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Stephen M. Kyne, partner, Sterling Manor Financial LLC, Saratoga Springs. BY STEPHEN M. KYNE Are you a small business owner who wishes you could save more for retirement, and get a bigger tax deduction than the $53,000 currently allowed&#8230;<\/p>\n","protected":false},"author":121,"featured_media":24502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[58,70],"class_list":["post-18208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-reports","tag-business-reports","tag-financial"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Business Report: Defined Benefit Plan Is Back - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/11\/business-report-defined-benefit-plan-is-back\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Business Report: Defined Benefit Plan Is Back - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"Stephen M. 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