Paul B. Zimmerman, Inc. Sales Proposal

Your Plan Analysis

Extensive and detailed review of your current retirement plan.

Plan Design

Unique, Custom Solutions We specialize in complex plan designs, including cross-testing, a type of profit sharing plan design which allows employee classifications and different allocation rates. When evaluating design options, we focus on the current funding methodology used for employer contributions. We consider FICA tax savings, determine if multiple rates of allocations can be used among HCEs and NHCEs, and other factors.

Investments

Unbiased and Diversified Approach As a §3(38) investment manager, American Trust is responsible for the investment offerings. Investment options include funds from a core line-up, a series of actively managed portfolios ranging in risk tolerance, and ATArchitect ® (if applicable to the plan). Our process includes writing, maintaining, and executing the investment policy statement to outline our unique investment selection. We believe in driving investment success through comprehensive and unbiased support.