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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5240
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
September/October 2023
Get to Know Your Benefits
Each Fall employee benefits enrollment is a time when executives and even business owners can leverage corporate dollars to provide a base of insurance coverage and retirement savings, both of which should complement the insurance and retirement investing individuals do outside the workplace.
A Benefit Base
While employee benefits may serve only as a beginning for most high net worth individuals, they can prove a cost-effective way to purchase various types of insurance while leveraging tax-deferred or potentially tax-free dollars for retirement investing.Start by enrolling in any benefits that are company-paid — it just makes sense. Some companies will offer life insurance—cost-free—that equals one or more times employees’ salaries. Take advantage of any company contribution made to a qualified retirement plan, such as a 401(k) plan and Health Savings Account. Examine disability income and long term care insurance offerings, too.
Consult your insurance and financial professionals to merge your employer’s benefit offerings into your overall insurance and financial strategies.
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Securities offered through Equitable Advisors, LLC (NY,NY (212) 314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC-registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in California as Equitable Network Insurance Agency of California, LLC; in Utah as Equitable Network Insurance Agency of Utah, LLC; and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and Equitable Network are affiliated companies and do not provide tax or legal advice.
R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. Equitable Advisors and Equitable Network are brand names for Equitable Advisors, LLC and Equitable Network, LLC, respectively.
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