The Highly Productive Doctors Planning Program component of the New Economic Order Planning Program provides productive doctors access to special design economic education, earnings management, budget management, and savings management planning programs. Productive doctors who have more than $30,000 of annual earnings exceeding their lifestyle costs and/or $250,000 of assets they control qualify for participation in the Highly Productive Doctors Planning Program.
The Highly Productive Doctors Planning Program includes the establishment of an Employer Cash Management System that allocates accumulated surplus employer earnings to planning priorities: 1. Salary equal to lifestyle costs plus taxes, 2. Medical, disability, and long-term care insurance premiums, and 199A Plan 3. Qualified retirement plan trust accounts, and 4. Bonus for catastrophic loss and life income programs and for qualified retirement plan current economic benefit costs. Qualified retirement plan trust funds are then allocated to guaranteed outcome pension whole life insurance and pension annuities.
Special design 199A Plans, “Guaranteed Outcome” Defined Benefit Pension Plans, and Leveraged Tax-free Life Income Plans prevent losses of surplus earnings to unnecessary income taxes and maximize spendable retirement distributions.
The 199A Plan is a major earnings and savings management component of the Highly Productive Individuals Planning Program for doctors. 199A tax-free compensation and other tax-free compensation created by provisions of the 2017 Tax Reform Act are used to generate 20 – 25 years of tax-free retirement distributions for participating doctors.
The Guaranteed Outcome Defined Benefit Pension Plan is a major earnings and savings management component for Highly Productive doctors of all ages who have control over their employers and 5 – 10 years of future, predictable surplus earnings. Defined Benefit Pension Plans are designed to generate guaranteed outcomes in the form of leveraged catastrophic loss protection and guaranteed life income for participating doctors.
The Leveraged, Tax-free Life Income Plan is the most efficient earnings and savings management component for Highly Productive Doctors age 55 and under. The Leveraged Tax-free Life Income Plan is funded in 5 years. The Leveraged Tax-free Life Income Plan generates double the spendable retirement distributions at half the cost in half the time when compared to maximum funded 401 (k) and defined benefit pension plans.
The owners and key employees of the 2.8 million small businesses that comprise the most productive 10% of the 28 million small businesses in the United States are prospects for the 199A Plan, the Guaranteed Outcome Defined Benefit Pension Plan, the Leveraged Tax-free Life Income Plan, and the Pension Accelerator Programs. Prospects for 199A Plans include owners of “S” tax status employers or other “pass-through” businesses who are age 55 and younger, who generate annual surplus earnings exceeding their lifestyle costs, of $20,000 to $100,000. The vast majority of these productive doctors currently do not have guaranteed life income that equals their lifestyle costs.
There are two types of Pension Accelerator Loan Programs, one that generates taxable retirement distributions and one that generates tax-free retirement distributions. Prospects for the taxable-distribution Pension Accelerator Loan Program are productive, credit-worthy doctor business owners age 65, and under, who earn average annual compensation for 3 years of $215,000, or more, have $50,000, or more, of surplus annual earnings available for 5 to 10 years, and are currently funding defined benefit pension plans at annual contribution levels that are less than the maximum annual funding levels.
Prospects for the tax-free distribution Pension Accelerator Loan Program are productive doctor/business owners age 55, and under, who are in good health, have annual household W-2 income compensation of $100,000, or more, and have $50,000, or more, of surplus annual earnings or savings available to fund the plan for 5 years.
Another objective of the Highly Productive Doctors Planning Program is to prevent losses of productive doctors’ earnings, savings, and endowment assets to assisted living costs. The New Economic Order Planning Program provides access to a full return of premium, qualified long-term care insurance program for highly productive doctors. This asset protection and wealth transfer program prevents highly productive doctors’ losses of personal and retirement plan savings to assisted living costs, while, at the same time, creating billions of dollars of family legacies and endowments for 501(c)(3) non-profit organizations.
Productive doctors who are age 40 and older are prospects for the Full Return of Premium, Qualified Long-Term Care Insurance component of the New Economic Order Planning Program. This asset protection and wealth transfer program can utilize up to $3 million of surplus tax-free compensation.
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