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  • Helping your organization to deploy and manage plans that are affordable, supported, and valued.

We Know You Need
plans that are…

 

AFFORDABLE

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All plans should be evaluated based on a fully disclosed cost versus benefit-analysis. These numbers can be clearly defined and managed as part of the ongoing process to optimize your benefit offerings.

We can help measure these items for your current plan as part of a plan evaluation and as an ongoing service. You can click here to schedule an introductory meeting to discuss your needs with our team.

 

SUPPORTED

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Your benefits plan offerings should be and can be supported. Our experienced team is committed to helping you design, manage, and optimize your plan offerings and employee experience and serve as your outsourced team to administer these programs.

We are a hands-on team seeking to help you leverage your benefits programs to enhance your employee engagement, loyalty, and pride.

Click here to schedule an introductory meeting to discuss your needs with our team.

 

VALUED

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Do your employees understand your investment in them through your benefits plans?

Do your plans meet the needs of you and your employees?

Are you overlooking the lost opportunity cost of not having plans that employees value and that make them feel valued?

We would like to help you optimize the value from your investment in your benefits plans. Click here to meet with us.

 

AFFORDABLE

Hover to View

All plans should be evaluated based on a fully disclosed cost versus benefit-analysis. These numbers can be clearly defined and managed as part of the ongoing process to optimize your benefit offerings.

We can help measure these items for your current plan as part of a plan evaluation and as an ongoing service. You can click here to schedule an introductory meeting to discuss your needs with our team.

 

SUPPORTED

Hover to View

Your benefits plan offerings should be and can be supported. Our experienced team is committed to helping you design, manage, and optimize your plan offerings and employee experience and serve as your outsourced team to administer these programs.

We are a hands-on team seeking to help you leverage your benefits programs to enhance your employee engagement, loyalty, and pride.

Click here to schedule an introductory meeting to discuss your needs with our team.

 

VALUED

Hover to View

Do your employees understand your investment in them through your benefits plans?

Do your plans meet the needs of you and your employees?

Are you overlooking the lost opportunity cost of not having plans that employees value and that make them feel valued?

We would like to help you optimize the value from your investment in your benefits plans. Click here to meet with us.

 

AFFORDABLE

Hover to View

All plans should be evaluated based on a fully disclosed cost versus benefit-analysis. These numbers can be clearly defined and managed as part of the ongoing process to optimize your benefit offerings.

We can help measure these items for your current plan as part of a plan evaluation and as an ongoing service. You can click here to schedule an introductory meeting to discuss your needs with our team.

 

SUPPORTED

Hover to View

Your benefits plan offerings should be and can be supported. Our experienced team is committed to helping you design, manage, and optimize your plan offerings and employee experience and serve as your outsourced team to administer these programs.

We are a hands-on team seeking to help you leverage your benefits programs to enhance your employee engagement, loyalty, and pride.

Click here to schedule an introductory meeting to discuss your needs with our team.

 

VALUED

Hover to View

Do your employees understand your investment in them through your benefits plans?

Do your plans meet the needs of you and your employees?

Are you overlooking the lost opportunity cost of not having plans that employees value and that make them feel valued?

We would like to help you optimize the value from your investment in your benefits plans. Click here to meet with us.

We Strive To Offer Best In Class
Services

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Retirement Plan Consulting

Plan Design | Provider Selection | Plan Benchmarking | Fiduciary Services | Employee Communication and Education

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Retirement Plan Advisor

Simple IRA SEP IRA 401(k), Defined Benefit, Profit Sharing, Money Purchase | Invest | Manage

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Key Employee and Owner Bonus and Deferral Plans

Expanded Tax Deferred Savings | Key Employee Reward / Retention | Equity Mirroring Plans | Succession Plans

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Life, Disability, Long Term Care and Property Insurance

Life, Health, and Property Insurance | Long-Term Care

Click here to Book An Appointment with Us

We Are Different
Here is why

Our Background

We are business owners and have worked with thousands of businesses on business planning, business valuation, accounting and tax matters, business transactions, and business succession.

We understand business issues and the importance of business process and it drives our approach to serving our clients.

Our Experience

Our experience has taught us that every business has unique opportunities to enhance its business value through:

  • the attraction and retention of key employees, and
  • proper incentives are needed to align employees' and owners' mindsets and actions better.

We know how different plans and programs can help you.

Our Belief

We believe that many benefits offerings and retirement plans do not help management and employees properly plan for their retirement, maximize tax savings and tax deferral, and make informed investment and insurance decisions.

We believe we can change that one Company at a time.

Click here to learn more about our team!

We Serve a Diverse Group of
clients

We currently work with hundreds of self-employed professionals on plans that allow for substantial tax-deferred contributions, as well as their life and disability insurance needs. Our team can provide experience and a single point of contact for your personal benefits needs.

Small firms like yours and ours often rely on the owners and some key employees to keep things running. Our team can be your in (out)-house partner to help with maximizing tax deferral, aligining key employee and owner intersts, insuring for continuity of the business, and for programs that you can be proud to offer all your employees.

Good people are the key to success in high-growth companies. In a fast-paced environment, key employees take on more responsibility than their job description and their pay often reflects. They are the people who make it happen and bring the magic to life. Their interests must align with the owners and other contributors to the company's success. They must also feel valued and see future rewards for their contributions. Our team brings a wealth of experience in working with high-growth companies. We look forward to working with you on various options for tax deferral, bonuses, stock options and phantom stock options, and life, disability, and long-term care insurance offerings to protect and reward your team.

It is so easy to get stuck in the “we have always done it this way” mode when you are an established and successful company. As a larger and established firm, it is easy to lose site of the impact that key managers and employees have on the daily operations and the long-term future success of the business. The problem worsens when others in the market innovate their employee benefits programs. The key is to offer programs that meet your changing employee and business needs so that the “grass is greener” syndrome does not take hold in your key employee base. Our team can help you measure the satisfaction of your current programs and gather information about what your employees value and would value. We can also help you manage your current 401k, profit sharing, and other programs and recommend improvements and additional programs to help you keep your team in place to better manage your established position in your markets.

We Are Ready to Provide a
plan review and assessment

Most plan sponsors and business owners have little time to focus on their company plans. Often, there is limited awareness of what the programs actually cost the company, the executives, and the employees.

Just offering benefits is not enough.

You need a team that understands your goals and objectives and helps you to offer programs that make sense for your organization -- and that actually offer the benefits that you belive you are getting.

Click Here to Schedule a Time to Discuss a Plan Assessment

Click Here to Email us with Questions about Our Plan Assessment Process

Next Steps
For you…

Meet our Team

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Learn More About Our Client Services

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Schedule a Meeting

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Check out Our
Most Recent Blog Posts

A desk with a laptop, a yellow coffee cup, and a notebook on it. Next to the laptop is a vase filled with white flowers

Retirement Plan FAQs

Brandi Ruffalo | Dec 10, 2024
Categories
Retirement
Investments
Not sure where to start with retirement plans? Here are some common questions.
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A Guide to Pensions & Retirement Benefits

Brandi Ruffalo | Dec 10, 2024
Categories
Retirement
Investments
Tax Planning
How much do you really know about retirement benefits? If you’re like most Americans, it’s not that much. In fact, most of us have fairly poor “retirement literacy,” especially when it comes to the finer points of retirement benefits. 1 That may not seem like a big deal, but it can give rise to all sorts of landmines in the future, possibly derailing your retirement plans and goals. It could also impact your quality of...
Business owner in her shop.

An Estate Planning Primer for Business Owners

DTS Financial Advisors | Aug 20, 2024
Categories
Estate Planning
As if business owners didn’t have enough to contend in managing their business and personal finances, there is one particular aspect of their financial lives that is often neglected until it’s too late, and that is the management of their estate. Yet, it is the one area of their financial picture that, if not thoroughly planned and managed, could have the most devastating consequences for their family and their business.

Contact Rich Kasher and Steve Kasher

 847-380-7121

 1375 E. Woodfield Road, Suite 230
Schaumburg, Illinois 60173

Contact Brandi Ruffalo

 847-380-3075

 1375 E. Woodfield Road, Suite 240
Schaumburg, Illinois 60173

Book an Appointment

     

Richard Kasher and Brandi Ruffalo offer securities and advisory services through Independent Financial Group, LLC (IFG), a registered investment adviser. Member FINRA/SIPC. Stephen Kasher offers securities through IFG. DTS Financial Advisors, LLC and IFG are unaffiliated entities. Members of our team are licensed to sell securities in AL, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KY, MA, MD, MI, MN, MO, NC, NH, OH, PA, TX, VA, & WI.

The information provided herein has been obtained from sources believed to be reliable however we cannot guarantee or represent that it is accurate, complete or current. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites. No investment strategy can guarantee a profit or protect against a loss.

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