Crpc Test Q And A

CRPC TEST Q AND A

Nofootherfoqualifiedfoplanfoorfo403(b)fo-foanswer--SimplefoIRAfoorfoSimplefo401(k)

Youngerfoemployeesfobenefitfofromfoyearsfooffocontributionsfoandfocompoundingfo-
foanswer--Profitfosharing,foSEP,foorfoTandemfoPlan



Businessfohasfostablefocashfoflowfoandfoownerfowillingfotofomakefoannualfofinancialfocommit
ment,fobutfoeitherfounwillingfoorfounablefotofocommitfomorefothanfo25%focompensationfo-
foanswer--MoneyfoPurchasefoorfoTargetfoBenefitfoPlanfotofoprovidfoage-weightedfoplan



Meansfotofoallowfoownerfotofomeetfohis/herforetirementfo-foanswer--DefinedfoBenefitfoPlan

Nofomorefothanfo100foemployeesfoearingfo$5000foorfomorefo-foanswer--
SimplefoIRAfoorfoSimplefo401(k)

Desirefoplanfothatfowillfomotivatefoemployeesfo-foanswer--
Profitfosharing,foSEP,foorfoTandemfoPlan

Seeksfomaximumfotaxfoshelterfo-foanswer--DefinedfoBenefitfoPlan

Businessfocashfoflowfofluctuatesfo-foanswer--Profitfosharing,foSEP,foorfoTandemfoPlan

Ownerfowillingfotofomakefominimalfocontribution-2%foorfo3%fooffocompensationfo-foanswer--
SimplefoIRAfoorfoSimplefo401(k)

Meansfotofoallowfoownerfotofomeetfohis/herforetirementfo-foanswer--DefinedfoBenefitfoPlan

Desirefoveryfolowfoadministrativefocostfo-foanswer--SimplefoIRAfoorfoSimplefo401(k)

Willingfotofoacceptfoinvestmentforiskfo-foanswer--DefinedfoBenefitfoPlan

Easirefotofocommunicatefoplanfotofoemployees,foandforeducefoadministrativefocostsfo-
foanswer--MoneyfoPurchasefoorfoTargetfoBenefitfoPlanfotofoprovidfoage-weightedfoplan



Shiftfoinvestmentforiskfotofoemployeesfo-foanswer--Profitfosharing,foSEP,foorfoTandemfoPlan

Desirefotofoprovidefotax-deferredfosavingsfoforfoemployeesfo-foanswer--
SimplefoIRAfoorfoSimplefo401(k)

Ownerfousuallyfo45foorfoolderfoandfooldestfoorfoonefooffothefooldestfoemployees,foonlyfoonefoo
rfotwofoolderfo-foanswer--DefinedfoBenefitfoPlan

Youngerfoemployeesfobenefitfofromfoyearsfooffocontributionsfoandfocompoundingfo-
foanswer--MoneyfoPurchasefoorfoTargetfoBenefitfoPlanfotofoprovidfoage-weightedfoplan