Reduced quarterly tax estimates, payroll tax, income tax and apply savings for Estate Planning, Investment Management, Risk Management, Cash Flow Management, Retirement Management, Healthcare Management, Business Management, Tax Management

1. COMBINED QUALIFIED PENSION PLAN
CONCURRENT OFFSET, AGGREGATED BENEFITS & POST RETIREMENT
MEDICAL BENEFITS UNDER IRC §401(H)
FINEX WEALTH MANAGEMENT, INC.
BARRY M. FINE
SENIOR FINANCIAL ADVISOR
FINEX WEALTH MANAGEMENT, INC.
1201 Broadway, Suite 803
New York, NY 10001
631.513.8822
An Independent Advanced Financial Strategies, Inc. Group Affiliate
*****
BENEFITS OF OUR COMBINED
QUALIFIED PLAN

2. FWM Combined Qualified Plans address all DOL mandates for
increased responsibility and accountability from plan sponsors
and include: 1. New risk management strategies 2. More
analysis and due diligence 3. Documented processes and
procedures in place to keep their plan compliant 4. Enhanced
participant communication 5. Fiduciary Handbook & Toolkit for
retirement plan trustees 6. Understanding ERISA & Fiduciary
Responsibility 7. Online IPS Manager & Annual Review 8.
Fiduciary Standards Warranty 9. Fund Check® 10. Trustee
Annual Plan Review 11. Customized Audit Package 12.
Participant Investment Education 13. Participant Goal Setting
& Personalized Reviews
COMBINED QUALIFIED PLANS

3. WHO SHOULD CONSIDER THE COMBINED QUALIFIED PLAN
DESIGN WITH PRIME- POST RETIREMENT INDIVIDUAL
MEDICAL EXPENSE ACCOUNT
Dentists, Doctors, Owners/professionals seeking a higher contribution/tax
deduction than the traditional 401k profit sharing . 2. Highly profitable
companies of all types and sizes. 3. Successful family businesses and
closely-held businesses. 4. CPA and law firms, medical groups and
professional firms. 5. Older owners who need to squeeze 20 years of
retirement saving into 5 to 10 years. 6. Owners/partners looking for a way
to fund a buy-sell or stock redemption agreement on a tax deductible basis.
7. Wealthy owners and professionals with charitable giving intentions
stymied by the limitations on tax deductibility. 8.Pre-tax planning for
medical expense needs in post retirement.
A Targeted Employee Plan Design

4. Estate & Business Planning
FWM Combined Qualified Plan provides advanced planning
inside pension: 1. Fund business buy/sell agreements,
ESOPs, Captives 2. Fund charitable planning 3. Fund Long-
term Care, single pay, post retirement 4. Fund estate
equalization plan 5. Fund DB corpus in fixed and indexed
annuities 6. Fund healthcare/medical expense account 7.
Fund tax reserve to pay tax on RMD distributions 8. Fund to
reduce quarterly tax estimates 9. Fund to reduce payroll tax,
AGI 10. Fund to increase savings up to 8x the max pension
limit.
MAXIMIZE OWNER BENEFITS - MINIMIZE PLAN COSTS

5. REDUCE QUARTERLY TAX ESTIMATES, PAYROLL, AGI
HIGH DEDUCTIBILITY
BARRY M. FINE
SENIOR FINANCIAL ADVISOR
FINEX WEALTH MANAGEMENT, INC.
1201 Broadway, Suite 803
New York, NY 10001
631.513.8822
An Independent Advanced Financial Strategies, Inc. Group Affiliate
*****