{"id":989018,"date":"2022-09-30T19:00:00","date_gmt":"2022-10-01T02:00:00","guid":{"rendered":"https:\/\/acumeninsurancesolutions.com\/?p=989018"},"modified":"2022-09-30T08:51:47","modified_gmt":"2022-09-30T15:51:47","slug":"%c2%a7457f-plans","status":"publish","type":"post","link":"https:\/\/acumeninsurancesolutions.com\/%c2%a7457f-plans\/","title":{"rendered":"How Credit Unions Can Improve 457(f) Plans for Executives"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Competition for key talent has never been more prevalent than it is today<\/h2>\n\n\n\n<p>Providing a <a href=\"https:\/\/acumeninsurancesolutions.com\/serp-key-features\/\">supplemental executive retirement plan<\/a> (SERP) to key executives significantly enhances an organization\u2019s ability to attract, reward, and retain its most important people.<\/p>\n\n\n\n<p>One of the most popular SERP designs used by credit unions is a 457(f) plan. Before your organization considers installing a traditional 457(f) or if it already has one in place, please consider the following:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is a 457(f) Plan?<\/h2>\n\n\n\n<p>457(f) plans are tax-advantaged retirement savings plans available to certain executives of tax-exempt organizations, including credit unions.<\/p>\n\n\n\n<p>457(f) plans allow executive participants to contribute a portion of their compensation on a pretax basis, up to the annual IRS limit and receive matching or other employer contributions. Employers may also make discretionary contributions to 457(f) plans on behalf of their executive participants.<\/p>\n\n\n\n<p>These plans can be funded with amounts necessary to provide a defined benefit to the executive upon retirement or with periodic contributions over time in agreed-upon amounts.<\/p>\n\n\n\n<p>Upon retirement, the executive is responsible for paying all of the taxes, in a lump sum, at ordinary income rates. In some states, that can mean that more than half of an executive\u2019s retirement benefit will end up going to the government.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Benefits of 457(f) Plans<\/h2>\n\n\n\n<p>457(f) plans offer a number of benefits to credit unions and their executive participants, including:<\/p>\n\n\n\n<ul><li>The ability to attract and retain top talent,<\/li><li>Tax-deferred growth of investments, and<\/li><li>Flexible withdrawal options<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Traditional 457(f) Plan Designs<\/h2>\n\n\n\n<p>Traditional 457(f) plans can be effective executive retention tools but they have significant drawbacks, including:<\/p>\n\n\n\n<ul><li>Offering the organization inferior rates of return on dollars invested<\/li><li>Requiring the retiring executive to reinvest remaining post-tax assets in a taxable environment<\/li><li>Lack of a death benefit for the executive\u2019s heirs at his\/her demise; rather, they receive only what has accumulated in the plan up to that date<\/li><\/ul>\n\n\n\n<p>Moreover, credit unions should be aware of the potential pitfalls associated with 457(f) plans, such as compliance with IRS rules and regulations, high administrative costs, and the risk of participant litigation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Credit Unions Can Improve 457(f) Plans<\/h2>\n\n\n\n<p>Credit unions can take steps to improve their 457(f) plans in order to maximize the benefits for both the organization and its executive participants. These steps include:<\/p>\n\n\n\n<ul><li>Selecting the right 457(f) plan provider<\/li><li>Designing a 457(f) plan that is compliant with IRS rules and regulations, and<\/li><li>Implementing 457(f) plan administration and participant communication best practices<\/li><\/ul>\n\n\n\n<p>By taking these steps, credit unions can ensure that their 457(f) plans are well-designed and well-managed, providing maximum benefits for all involved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Acumen Insurance Solutions 457(f) Plan Designs<\/h3>\n\n\n\n<p>Acumen\u2019s plan designs provide a death benefit or self-completing feature equal to the full value of the executive\u2019s projected retirement benefit. In addition, these designs:<\/p>\n\n\n\n<ul><li>Offer a more tax-efficient solution for the executive to receive retirement benefits resulting in 30-40% more, after-tax income<\/li><li>Include an investment vehicle for the retiring executive that has historically provided both a competitive return and a principal guarantee<\/li><li>Can be implemented with no additional cost or burden on the organization<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/fvV5QiQJkmL-3Bhgete1ue0yKgcYgKhcivk8HUHKEH1h--E7TYaUDEljnBAdzPn5MxZ6Baa2NQ2Dq3obnXeuChl1qj9VK6YIkI1earIajBRExACJuzv7ye-maMQ6BTUfU_XF7LJB2-BoBgRIsRT6WGXPgXd98aGoB9f3_C3IwqGTPAB2rm3MoX41ug\" alt=\"\" width=\"372\" height=\"615\"\/><\/figure>\n\n\n\n<p>If your organization is thinking about installing a 457(f) plan, let\u2019s talk! We can help you decide if our customized plan designs are worthwhile, considering your situation.<\/p>\n\n\n\n<p>Moreover, if you already have a 457(f) plan in place, we\u2019re happy to review your current plan and see where you may be able to improve them. <a href=\"https:\/\/acumeninsurancesolutions.com\/contact-us\/\">Reach out<\/a> to us!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit unions can improve 457(f) plans for executives by selecting the right 457(f) plan provider and selecting strong plan design and administration practices.<\/p>\n","protected":false},"author":2,"featured_media":989019,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[28,8,118],"tags":[162,163,78,164,131,165,46],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Improving \u00a7457(f) Plans - Acumen Insurance Solutions<\/title>\n<meta name=\"description\" content=\"Credit unions can improve 457(f) plans for executives by selecting a strong plan provider, design, and administration practices.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acumeninsurancesolutions.com\/\u00a7457f-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Improving \u00a7457(f) Plans - Acumen Insurance Solutions\" \/>\n<meta property=\"og:description\" content=\"Credit unions can improve 457(f) plans for executives by selecting a strong plan provider, design, and administration practices.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/acumeninsurancesolutions.com\/\u00a7457f-plans\/\" \/>\n<meta property=\"og:site_name\" content=\"Acumen Insurance Solutions\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AcumenInsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-01T02:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-30T15:51:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/acumeninsurancesolutions.com\/wp-content\/uploads\/2022\/08\/Improving-\u00a7457f-Plans-for-Credit-Union-Executives-1030x687.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1030\" \/>\n\t<meta property=\"og:image:height\" content=\"687\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Amanda Rogers\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AcumenInsurance\" \/>\n<meta name=\"twitter:site\" content=\"@AcumenInsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Amanda Rogers\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/acumeninsurancesolutions.com\/%c2%a7457f-plans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/acumeninsurancesolutions.com\/%c2%a7457f-plans\/\"},\"author\":{\"name\":\"Amanda Rogers\",\"@id\":\"https:\/\/acumeninsurancesolutions.com\/#\/schema\/person\/4f347ebd3cf9961acb759f47f1ff7021\"},\"headline\":\"How Credit Unions Can Improve 457(f) Plans for Executives\",\"datePublished\":\"2022-10-01T02:00:00+00:00\",\"dateModified\":\"2022-09-30T15:51:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/acumeninsurancesolutions.com\/%c2%a7457f-plans\/\"},\"wordCount\":582,\"publisher\":{\"@id\":\"https:\/\/acumeninsurancesolutions.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/acumeninsurancesolutions.com\/%c2%a7457f-plans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/acumeninsurancesolutions.com\/wp-content\/uploads\/2022\/08\/Improving-\u00a7457f-Plans-for-Credit-Union-Executives-scaled.jpg\",\"keywords\":[\"\u00a7457(f) Plans\",\"457(f) Plans\",\"Credit Union\",\"Credit Union Executives\",\"Executive Compensation\",\"Key Talent\",\"SERP\"],\"articleSection\":[\"Credit Unions\",\"Finance\",\"News &amp; 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