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Business Planning

Liberty Business Planning Articles


401(k)s: The Competitive Advantage 

401(k)s: The Competitive Advantage

Article Description:

An attractive benefit plan can play a fundamental role in recruiting and retaining qualified staff. And, when trying to save for the future, a 401(k) retirement savings plan can help employees attain their retirement objectives on a tax-advantaged basis. Named for the section of the Internal Revenue Code (IRC) that created it, a 401(k) plan may be one of the most popular and valuable fringe benefits available.

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An Introduction to Employee Benefits 

An Introduction to Employee Benefits

Article Description:

In order to remain competitive, as well as attract and retain top employees, employers are faced with the task of creating a winning compensation strategy that will not only accomplish these objectives, but will also maintain corporate budgeting constraints. Employee compensation is much more than just a salary; it can encompass “perks,” such as vacation and sick time, company vehicles, corporate memberships, and a variety of benefits designed to help employees and their families. While employers are legally obligated to provide certain state and Federally-sponsored benefits, many employers also offer, and often contribute to, additional employee benefits.

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An Overview of Employer-Sponsored Retirement Benefits 

An Overview of Employer-Sponsored Retirement Benefits

Article Description:

As an employer, you most likely are concerned with your employees’ well-being. Beyond the typical health insurance benefits, retirement benefits are an integral part of an employee’s overall compensation. Providing employees a vehicle to save for retirement can be beneficial for both you and the employees. It can demonstrate to quality employees, or prospective employees, that your concern for their welfare extends beyond the office walls and their years of service.

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Attract, Retain, and Reward with Executive Bonus Plans 

Attract, Retain, and Reward with Executive Bonus Plans

Article Description:

Today, many business owners see the executive bonus plan as one of the most cost-effective fringe benefit plans available for solving personal needs in the new millennium. Let’s review the details.

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Building Promise with Effective Cost Management 

Building Promise with Effective Cost Management

Article Description:

From the smallest proprietorship to the largest international conglomerate, cutting costs can often be perceived as a “quick fix” toward improving financial results. However, such business decisions may not always be in the best long-term interest of an otherwise healthy company. Many business owners react to unexpected pressures by reducing costs without a definite plan of action; their course is reactive instead of proactive. However, this “strategy” may become random and shortsighted unless it’s based on a company’s business plan.

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Business Continuation: Planning for Success 

Business Continuation: Planning for Success

Article Description:

Successful business owners invest a great deal of time and effort in building their companies. With the day-to-day demands, it is often difficult to imagine stepping down for retirement. Yet, in order to help build financial security for retirement and ensure business continuation, it is important to plan ahead. Business succession planning can establish retirement income for a retiring business owner, as well as smooth the transfer of operations and/or ownership to family or another entity. In addition, a succession plan can also provide structure for unforeseen events, such as death or disability.

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Business Planning with SEPs 

Business Planning with SEPs

Article Description:

Today, the Simplified Employee Pension (SEP) plan is a popular retirement savings option for self-employed sole proprietors and partners. However, before you start a SEP, it’s important to understand the distinction between contributions made under a SEP for employees and contributions that benefit the self-employed sole proprietor or partner.

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Calculating Your Break-Even Point 

Calculating Your Break-Even Point

Article Description:

Regardless of specialty, all business owners have a common goal—profitability. But before you can turn a profit, you first have to break even. Spending more money than you are taking in to produce a product or provide a service can quickly deplete your company’s capital. Even if your business has a financial cushion to allow you to operate in the red for a period of time, be conscious of the areas in which losses are occurring and have a plan for steering your company into the black.

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Corrective Programs and Your Retirement Plan 

Corrective Programs and Your Retirement Plan

Article Description:

Setting up a qualified retirement plan always requires thought and analysis. In addition to tax deductions, business owners and executives must focus on many administrative aspects and procedures if they wish to sponsor a qualified retirement plan and keep it from becoming “defective.” Qualified retirement plans can unintentionally include defects, or they may develop defects over time. Defects may be discovered when an employee believes he or she is entitled to recover specific benefits.

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