Are you frustrated because you can’t put more money away in your retirement plan?

Are you frustrated because you can’t discriminate as to how much you put away for certain key employees?

The Kiernan Companies prides itself in custom and creative Discriminatory Plans.

Individual Plans tied to an individual’s productivity.

Plans may have a vesting schedule for some employees and not others as a golden~handcuff (employee retention).

Monies can grow tax~deferred.

Deposits may be totally tax~deductible!

Monies are available at any predetermined time (not just after age 59½.)

Monies may be available via a loan and therefore not immediately taxable. (i.e.: funding college education).

Plans may be integrated with Buy~Sell Agreements.

Plans may be integrated to pay estate taxes but keep the cash accumulation out of the estate.

All business entities qualify (sole proprietorships, partnership, S~Corp, C~Corp, LLC and etc.).