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LIKE YOUR CFO
We help can help you analyze and manage HR finance and risk.
We help you control the obstacles to operational excellence.
Below are examples of recent client projects.
CLIENT CONCERN
We are aware of the IRS 409A audit initiative. We have many arrangements that may fall under 409A and are worried about noncompliance which could put our CEO and other executives at personal risk. Can you help?
SOLUTION
Vinings has developed a thorough pre-audit process to review compensation arrangements. We thoroughly measure and help you mitigate your company's and your executives' risk.
401(K) EXCESS PLAN COMPLICATIONS
CLIENT CONCERN
We have a 401(k) excess plan for our executives. The design is so complex that our participants do not understand the Plan. In addition, determining eligibility for annual enrollment is extremely difficult CLIENT CONCERN and time-consuming. Is there a better plan design solution?
SOLUTION
Vinings can help you structure a deferred compensation plan that restores 401(k) savings opportunities significantly simplifies the annual administration of the plan, and improves participant engagement.
401(K) PLAN MAXED OUT
CLIENT CONCERN
We only have a 401(k) plan and because of discrimination testing our executives are maxed out on their contributions. What do we do and how difficult/expensive is it to solve this problem for our management team?
SOLUTION
Vinings can assist you analyze, implement, and manage an executive retirement program. We can assist with benchmarking your peers, analyzing plan cost, plan design, document preparation, vendor selection, trust creation/funding, implementation, and ongoing plan management.
RABBI TRUST TAXATION PROBLEMS
CLIENT CONCERN
We have been funding our nonqualified deferred compensation plan with mutual funds that mirror participant elections. As our assets and liabilities have increased, we are experiencing significant tax costs and volatility on our financial statements. Are there alternative investment strategies to control this?
SOLUTION
Vinings has developed a tax overlay for trust investments that can control volatility and provide a tax-managed hedge to the plan liability. We use advanced portfolio management techniques to reduce tax drag and improve P&L impact and funded status of the trust.
RABBI TRUST COLI CONCERNS
CLIENT CONCERN
Our rabbi trust is funded with corporate-owned life insurance (COLI) that was established years ago. No one here understands how these policies work or why they were chosen or if they should be continued. Should we get rid of them and use something else like mutual funds?
SOLUTION
Vinings has been providing COLI audit services for 25 years. We can review and audit your current COLI funding to determine its effectiveness. We can help you precisely steer policy performance in light of trust liquidity requirements, risk tolerance, and asset/liability matching.
SALES PROFESSIONAL RETENTION
CLIENT CONCERN
We are having retention issues with our sales professionals. What are our competitors doing to lure our people away and retain them? Are there special incentive programs we can adopt?
SOLUTION
Vinings can help you implement a long-term incentive plan or deferred compensation plan specifically targeted to the sales professionals.
IRS AUDITS OF COMPENSATION ARRANGEMENTS
401 K EXCESS PLAN COMPLICATIONS
401 K PLAN MAXED OUT
RABBI TRUST TAXATION PROBLEMS
RABBI TRUST COLI CONCERNS
SALES PROFESSIONAL RETENTION
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