Would
you like to protect your business from the loss of a key employee
or partner, motivate your employees to do a better job, and protect
your family’s interest in your business? PLJ Advisors can help
you do all of this…and more.
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Business Success Hinges on Employee Satisfaction |
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You have
worked tirelessly to build your business for optimal
success, and of course, you need your business to
continue to succeed. How do you do this? By recruiting
quality employees who promote your business and
are as committed as you. Attracting, motivating,
retaining and above all rewarding these key assets
are critical to your business planning success.
The best way to maintain employee retention is to
have an adequate benefit plan for yourself and your
employees. Unfortunately, restrictions on current
tax laws and traditional employee benefit programs
(even combined with Social Security) will fail to
provide you and your employees with an adequate
lifestyle during retirement.
When you choose a benefit program for you and your
company, it is important to consider the “income
gap” between what you and your employees make
now and what you need to retire comfortably. Not
considering this crucial factor can drive your best
employees into the arms of your competitors, even
if they are happier working for you.
Let’s look at what can happen to your business’
success if you lose a key employee:
• Clients and other employees who prefer to
work with your previous employee will lever them
• Your sales will be adversely effected, resulting
in lower morale, lower production and lower job
satisfaction among your current employees
• Banks will tighten credit when they notice
your reduction in sales and production
• Other key employees may sense that “something
is wrong” and begin looking for other opportunities
Again, retaining your key employees is paramount
to your business’ success. PLJ Advisors can
help you examine your current employee benefit program
by identifying your goals and objectives, developing
a plan, and reviewing that plan.
Take Action Today!
When you work with PLJ Advisors, we will help you
set up a wide range of services for your business.
Our goal is to help you increase employee loyalty
and productivity, and whenever possible capture
potential tax benefits for you and your employees.
PLJ Advisors take a personal approach to your business
because we know that every business is unique. Your
needs will differ from your colleagues’. We
want to thoroughly understand you and your business
before we make any recommendations.
Please remember that not all of our solutions will
provide tax breaks, but every solution will have
a quantifiable benefit that justifies its implementation.
Take a look at some of these options. Contact
a PLJ Advisors representative for an in-depth look
at these solutions and determine if they are right
for you.
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| Protect
Your Business With Keyman Insurance |
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Keyman
insurance protects your business the same way term
and permanent life insurance protects your loved
ones: it preserves your business’ cash flow
in the event of a sudden death of a key member of
your business, such as a key executive or the head
of the family business. This will safeguard your
business’ long-term success.
In fact, many venture capitalists mandate keyman
insurance as part of their investment agreements.
The loss of a key figure in your business can put
the value of the company and its future at serious
risk.
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For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs or
call 1-888-755-2525.
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| Choose
a Company Pension Plan That Will Boost Your Success |
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When choosing
your company pension plan, your decision needs to
be based on your personal and business goals.
Here are some questions you can ask yourself to
start you in the right direction:
• Do you have 100 or fewer employees and would
like to make a company contribution up to 3% of
pay?
Consider a SIMPLE plan.
• Do you want to include employees in your
plan who work less than 1000 hours per year?
Consider a SEP plan.
• Should your contributions vary according
to your business’ profit and be paid to your
employees immediately?
Consider a Cash Profit Sharing plan.
• Would you like to make contributions that
vary according to company profits and be payable
at retirement?
Consider a Deferred Profit Sharing plan.
• Do you want your employees to achieve a
specific “target” sum of money at retirement
independent of company profits?
Consider a Target-Benefit plan or a Defined-Benefit
plan.
• Would it be best for your employees to defer
some of their current income and save it in a tax-deferred
account?
Consider a 401(k) plan.
• Do you want to match your employees’
contribution more than 3%?
Consider a 401(k) plan.
• Do you want to make contributions to your
employees’ retirement independent of company
profits?
Consider a Money Purchase plan.
Of course, these questions and answers are designed
to point you in the right direction. Plan service
providers will be able to discuss these options
in greater detail and help you decide which plan
is best for you and your business.
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| Benefits
of a 401(k) Plan For You and Your Business |
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Implementing
a 401(k) plan can help you and your company stay
competitive in the tight labor market. Today a 401(k)
plan is easier to implement and cheaper to maintain
than ever before.
Consider these numbers:
• More than 250,000 companies have implemented
and are benefiting from 401(k) plans.
• 29 million employees are saving for their
retirement through company sponsored plans.
• Working Americans now have over $1.5 trillion
invested in 401(k) plans.
Here are some perks a 401(k) plan can provide for
you and your business:
• Attract and retain the best employees
• Help your employees plan for retirement
• Defer federal and sometimes state income
taxes for you and your employees
• Simplify investment decisions
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| Is
Your Group Health Insurance Costing or Benefiting
Your Business? |
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First,
if you do not have group health insurance, you will
run into employee retention problems in the near
future. Saving a penny now by not providing this
basic service will wind up costing you and your
business through the loss of key employees. Alternatively,
if your group health insurance plan is not adequate,
you can run into this same issue.
As a business owner, ask yourself:
1. Do I need to provide group health insurance for
my employees?
2. Does my current group health insurance plan give
myself and my employees the best coverage possible?
At PLJ Advisors, we are concerned with the success
of your business and strive to provide you with
solutions that will better your chances of success.
Your group health insurance policy impacts your
employees’ satisfaction and thus their work
performance and loyalty to you and the company.
Employees always list health insurance benefit as
their top reason for choosing to work for a company.
A good group health insurance plan is a balance
between the cost for you and the benefits it provides
you and your employees. PLJ Advisors has affiliations
with major group providers, allowing you ample choice.
Take Action Now! Let PLJ Advisors help you evaluate
your current situation and possibly improve it.
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The Next Step in Business Success: Group Life Insurance
For You and Your Employees |
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Job seekers
and keepers have a common theme: what peaks their
interest and keeps them satisfied has to do with
your employee benefit program. In addition to group
health insurance, your employees will invariably
have someone who depends on them such as a child
or spouse. It is important to provide your employees
with something that will also help the people they
love, such as group life insurance.
Like your group health insurance plan, a group life
insurance plan can ensure better employee retention
and satisfaction rates, leading to higher production
and output for your business. PLJ Advisors is a
comprehensive financial planning firm and we can
help evaluate your current group life insurance
plan. If you do not have a group life insurance
plan, then we can assist you in finding the best
value for you money.
Take Action Today! Let PLJ Advisors help you better
your business! After all, your success is our success.
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For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs or
call 1-888-755-2525.
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To get your free evaluation
and to learn how PLJ can help you, call:: 1-888-755-2525
or contact us here |
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Business Owner HOW
TO protect your business WITH A LITTLE planning!
Get a FREE report a neglected (yet crucial)
side of asset protection
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