Defined Benefit Plans for Small Business Owners
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If your company wants to attract and retain talented employees, adding a Defined Benefit plan to your overall retirement program may be a good benefit planning option. Whether you currently sponsor a Defined Benefit plan or are considering adding one to your benefit line up, Merrill Lynch provides a full range of Defined Benefit plan services which support traditional annuity, cash balance and pension equity plans. Your Merrill Lynch Financial Advisor or Relationship Manager can help you choose the solution that’s right for your business.

Merrill Lynch Service Capabilities:

Actuarial consulting

Complete plan administration featuring:

  • Web based benefit modeling and plan information
  • Voice response and call center support
  • Trust/custody and pension payment services
  • A full range of investment services and consulting

Defined Benefit Plan Features:

  • Reduce taxes – Defined Benefit plans have higher tax-deductible employer contributions than most retirement plans.
  • Recruit and retain employees – Defined Benefit plans are popular with employees and do not require employee contributions to be effective, unlike 401(k) plans.
  • Defines the amount of retirement income to be paid at retirement. Payments are often characterized by a monthly annuity payment throughout the life of the retiree and/or the retiree’s spouse.

Click here for additional information on defined benefit plans for small business owners.

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