Posted by sparktrician on August 16, 2017 at 14:21:08 from (99.196.30.87):
Ok....this is off the wall....kinda but not really. I am a electrical contractor. I have 3 guys plus myself employed. They all make good wages for their skill level and abilities. I am looking and wanting to offer them a retirement plan of some type....but not sure how to do this....Id like it to be/have a portion of it supported by themselves as well as from the company, I have no bones about providing this to them, and paying for it, just feel they should be doing some as well.
Now....the tricky part....how to set this up. Id rather not be paying payroll taxes on their retirement funds...id rather give the employees more money! Also, how to set this up so that it is "protected" and cant be cashed out....Out of three...there is one who wouldnt have a extra penny in his account if he could get his paws on it....
Granted, his financial planning (rather complete and utter lack thereof) is not my problem....but I would like to set this up so these guys have something down the line.
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