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Defined Benefit
412(i)
Retirement Plans
Defined Benefit Plans for 2003
Maximum First Year Contribution
412(i) HOME FREE 412(i)
FEASIBILITY STUDY
412(i) BASICS defined benefit retirement plans 412(i), asset protection planning, qualified pension plans, charitable solutions, support organizations, family limited partnerships, stretch ira, dynasty trusts 412(i) FAQ SECTION 79
IS BACK 		NEW
REGS 		CODE SECTION
412(i) 		1st YEAR
CONTRIBUTIONS 		LEVERAGING A 412i
Defined Benefit Plan
Normal Retirement Age 65
(or 5 years of participation, if later)
AGE
MONTHLY RETIREMENT BENEFIT
LIFE AND ANNUITY
35
13,333
66,670
36
13,333
70,301
37
13,333
74,261
38
13,333
78,511
39
13,333
83,096

40
13,333
88,102
41
13,333
93,509
42
13,333
99,457
43
13,333
105,922
44
13,333
113,059

45
13,333
120,875
46
13,333
129,466
47
13,333
138,985
48
13,333
149,677
49
13,333
161,805

50
13,333
175,677
51
13,333
191,639
52
13,333
210,243
53
13,333
231,909
54
13,333
258,038

55
13,333
289,741
56
12,000
296,117
57
10,666
303,516
58
9,333
311,764
59
8,000
321,154

60
6,667
332,234
61
6,869
331,584
62
7,082
330,485
63
7,309
330,884
64
7,550
329,828


Note: Assumptions for funding of the Prototype 412(i) plans:
  1. Life only annuity is target at normal retirement age of 65
  2. Guaranteed 3% interest on annuity during accumulation phase
  3. Guaranteed annuity purchase rates at normal retirement age
  4. Participating Whole Life guaranteed cash values illustrated if life insurance is used
  5. Excess interest on annuity and dividends on life insurance are used to reduce the subsequent years contribution
  6. Assumes annual salary is at least $160,000 and the plan year ends in 2003.


Contact The Pension Professionals of Florida today for a FREE 412(i) Feasibility Study to determine how a 412i Defined Benefit Plan can benefit you and your employees.
412(i) HOME FREE 412(i)
FEASIBILITY STUDY
412(i) BASICS defined benefit retirement plans 412(i), asset protection planning, qualified pension plans, charitable solutions, support organizations, family limited partnerships, stretch ira, dynasty trusts 412(i) FAQ SECTION 79
IS BACK 		NEW
REGS 		CODE SECTION
412(i) 		1st YEAR
CONTRIBUTIONS 		LEVERAGING A 412i
Defined Benefit Plan
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01/03/05