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401Rx Plan Overview

Concern about how to meet the rising cost of post-retirement health care is a frequent topic of conversation from corporate board rooms to the factory floor. Many professionals and small business owners question whether they will be able to save enough money for general retirement needs, not to mention retiree health care costs.

The 401Rx Plan® offers employers large and small the opportunity to design a personalized Retiree Health Plan to match their primary business objectives. Employers may select the desired type or level of benefits from an “a la carte” menu to design a package that maximizes their ability to meet future projected needs.

The 401Rx Plan® is a single employer welfare benefit plan designed and administered in compliance with ERISA. Although the plan is subject to the reporting, disclosure and fiduciary protections of ERISA, welfare benefit plans are not subject to the contribution limitations, vesting and non-discrimination rules. Instead, a separate set of contribution and non-discrimination (but not vesting) rules are provided under the tax code, which in many ways provide greater flexibility to plan sponsors.

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A Whole New Way of Thinking...

  • Health Options PlusTM

    The Health Options PlusTM PlusTM Health Assurance Plan in a new approach to self funded health plans - going beyond mere insurance to keep employees and their families healthy and keep employer costs low. Employees and Employers typically save 10-30% from fully insured plans.

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  • The Kai-Zen PlanTM

    The Kai-Zen PlanTM takes advantage of the power of leverage (other people's money) to allow business owners, professionals, key employees and others to significantly increase their retirement savings while at the same time providing a significant death benefit in the event their career is prematurely cut short.

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  • The ARC TrustTM

    The ARC TrustTM is an employee benefit trust designed to assist public and private sector employers meet their pension and OPEB funding obligations under FASB and GASB rules. Unlike pension and OPEB bonds, the ARC Trust eliminates the risk of losing principal as a result of negative financial market performance.

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  • The 401Rx Plan®

    The 401Rx Plan® is a turn-key defined contribution retiree health plan designed specifically for small to mid-size businesses and governments. Business owners can contribute and deduct up to $500,000 or more in a single year. Governments can significantly reduce and eliminate their OPEB liability.

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  • The ABIL PlanTM

    The ABIL PlanTM is a wealth accumulation and estate transfer plan designed for businesses owners and other high income & high net worth individuals.

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