Service Introduction Packet

50 EAST 91ST STREET | SUITE 314 | INDIANAPOLIS | INDIANA | 46240

W W W . C AN T E R BU R Y B E N E F I T S .C O M

Dear Advisor:

Thank you for your interest in utilizing Canterbury Benefit Solutions, Inc. for providing

retirement plan design, consulting, and administration services to your valued clients. The

following page describes our services, philosophy and commitment to our clients.

Clients that we work with will experience at least one of the following:

Reduced tax liability for the business owners;

Reduced annual plan administration costs;

Improvements with the Plan administration and operational efficiency.

Additional items included for your review:

Plan Design and Implementation Process;

Individual Plan Limits by Plan Type;

Ideal Candidates;

Proposal Request Form.

We are happy to discuss your clients’ business objectives and the corresponding solutions as they

relate to an employer-sponsored retirement plan.

Please feel free to contact us at 317.816.5790 to schedule a time to meet.

Sincerely,

Steve Steve Kyburz

Managing Partner

steve@canterburybenefits.com

© 2016 Canterbury Benefits Solutions, Inc.

Corporate Overview

About Us Canterbury Benefit Solutions specializes in offering expert plan design, administration and consulting services for employer-sponsored retirement plans. Canterbury focuses on the unique issues and opportunities presented by employee benefit plans and programs. Canterbury has developed the team of personnel, the benefit plan knowledge base and the technical skills necessary to execute programs designed to attain the primary goals of our clients: achieve owner asset accumulation, contain costs and increase employee productivity and retention through creative benefit programs.

Our dedication to personalized customer service, efficiency and creativity over the years has led to long-term, successful relationships with our clients and brighter futures for their owners and employees.

Trusted Partners. Successful Futures.

Why Companies Hire Us Our core focus lies in the area of Trust. In our world, entrusting Canterbury to manage your retirement plan implies the following on our part:

Maintaining a high level of knowledge about the retirement plan industry and the ever-changing federal regulations that govern qualified retirement plans;

Communicating with the highest level of professionalism and listening to and understanding your business objectives;

Anticipating your plan needs and being proactive with plan design options;

Supporting by providing unparalleled individualized client service; Results: Proven track record of successful retirement plans.

What We Provide

Full spectrum of retirement plans

Single point-of-contact

Annual plan design review

Plan audit support

Secure data transfer via web-portal

Experience & knowledge

What We Care About

Unparalleled client support and service

Entrusting your plan with our team

Long-term business relationships

Your success and our success

Plan Management Services

Employee Data Collection and Analysis, Asset Trust Reconciliation; Contribution Calculations; Benefit Statements; Actuarial Valuation; Form 5500 Filing. Applicable Testing Include: IRC 404 - Employer Deductibility Limits; IRC 415 - Annual Contribution and Account Additions; IRC 416 - Top Heavy Status; IRC 401(a)(4) - Cross-testing; IRC 401(k) - Average Deferral Percentage; IRC 401(m) - Actual Contribution Percentage; IRC 410(b) - Participant Coverage, Plan Audit Support and Assistance

© 2016 Canterbury Benefit Solutions, Inc.

Plan Design Process

Preparing and presenting a proper qualified plan design that meets the employers’ business

objectives is first and foremost. Plan types include the following:

Traditional 401(k) Defined Benefit

Safe Harbor 401(k) Cash Balance

Roth 401(k) Combination Designs

Profit Sharing 403(b)

ESOP

Canterbury procures employee census & proposal data from advisor/employer.

Canterbury prepares and presents a plan design that meets the employers' objectives.

If a "go" then Canterbury will prepare onboarding documents. These include plan & trust document and related employee notices.

© 2016 Canterbury Benefit Solutions, Inc.

Employer-Sponsored

Ret irement Plans

Retirement Plan Contributions

Individual Limits by Plan Type | 2016

Owner Age 35 40 45 50 55 60 65

Maximum Salary $265,000 $265,000 $265,000 $265,000 $265,000 $265,000 $265,000

RETIREMENT PLAN TYPES

SIMPLE IRA Salary Deferrals

$12,500 $12,500 $12,500 $15,500 $15,500 $15,500 $15,500

401(k) Salary Deferrals

$18,000 $18,000 $18,000 $24,000 $24,000 $24,000 $24,000

403(b) Salary Deferrals

$18,000 $18,000 $18,000 $24,000 $24,000 $24,000 $24,000

401(k) & Profit Sharing Plan

$53,000 $53,000 $53,000 $59,000 $59,000 $59,000 $59,000

Cash Balance Pension Plan

$59,000 $78,000 $102,000 $133,000 $175,000 $228,000 $237,000

Combo 401(k) & Cash Balance*

$112,000 $131,000 $155,000 $192,000 $234,000 $287,000 $296,000

*PBGC (Pension Benefit Guarantee Corporation) is a governmental agency providing participant benefit guarantees in defined benefit plans in the event of funding defaults. However, only

certain defined benefit plans are required to be covered. Contribution limits are reduced for non-PBGC covered plans. Please consult Canterbury for more details.

Contributions are for illustrational purposes only. Actual contributions may vary This material is for informational purposes only. Canterbury Benefit Solutions, Inc. does not provide legal or tax advice. The client’s legal and tax advisors should be consulted and relied upon for making decisions.

Employer-Sponsored Retirement Plan Design Consulting Administration

www.canterburybenefits.com

© 2016 Canterbury Benefits Solutions, Inc.

Cash Balance: Ideal Candidates

Highly profitable companies of all types

o Includes single member firms

o Owners desiring larger tax deductions

Family businesses

o Can be used in succession planning

Closely-held businesses

o Owners seeking enhanced retirement plan

Law firms of all sizes

Medical groups of all sizes

Professional firms of all types

o CPAs, accounting firms, engineers, architects, financial

services firms, dentists, management consultants, etc.

Partners or Owners over 40 years of age

o Desire to “catch-up” or accelerate their retirement savings

Entities with strong cash flow

20160101

PROPOSAL REQUEST FORM

The data below will provide the information necessary to generate a plan proposal. Please complete all information. Employer Name: Employer Address:

Business Entity: □ C-Corp. (W2) □ S-Corp. (W2) □ Partnership (K-1) □ Sole Proprietor (Net-Schedule C) □ LLP

□ LLC (If LLC, indicate elected tax filing status: □ Partnership; □ Corporation; or □ Single Member)

Fiscal Year: Desired annual contribution: $ Anticipated retirement age of owner:

Does the employer currently have or ever had a retirement plan? □ Yes □ No

If yes, provide plan type and/or year terminated: ________________________________ (Includes SEP, SIMPLE, DB or any other plan type)

Do the owners have ownership interests in other businesses? □ Yes □ No

If yes, provide details:

Is the employer a member of a controlled group or affiliated service group? □ Yes □ No

If yes, provide details: _

Does the employer use leased employees, union employees or independent contractors? If yes, indicate in census. □ Yes □ No

Name (mark U if union, L if leased, or IC if independent contractor)

Date of Birth

Date of Hire

Annual Salary

Ownership % or Family Relationship to Owner

Job Title (complete for all requests)

Hours worked (if < 1,000 hours)

Representative to be contacted: Agent/Agency Name: Address: Phone: Fax: Email (required): Date proposal needed: Email or fax the completed proposal requests to: Steve Kyburz, Canterbury Benefit Solutions, Inc. Email: steve@CanterburyBenefits.com Fax: 317.574.2222 | Phone: 317.816.5790

We look forward to sharing our

commitment to excellence.

Have a great day!