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Dear FJG Client,

We hope you enjoy this issue of the Navigator. As mentioned last month, the FJG/Navigator is our bimonthly eNewsletter from the Fleischer Jacobs Group. We will continue to provide other timely HR and benefits-related articles on hot industry topics.

In this issue we have two new static features: “Industry Spotlight ” and “Benefits Compliance FAQ”. Watch for these features in future newsletters.

Our feature article for this issue is brought to you by FJG's Certified Financial Planner™- Marc Fragola. Read about how charitable giving can play an important role in estate plans.

Look to our "In Other News" section to find out what's new at FJG. Check out the information about the new Basic Life and AD&D program- extremely affordable with generous underwriting.

Please do not hesitate to call us for more information or advice on any of the subjects mentioned in the FJG/Navigator.

Sincerely,

Your Fleischer Jacobs Group Associates

Charitable Giving

Charitable GivingCharitable giving can play an important role in many estate plans. Philanthropy cannot only give you great personal satisfaction, it can also give you a current income tax deduction, let you avoid capital gains tax, and reduce the amount of taxes your estate may owe when you die.

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Industry Spotlight: Designing Holistic Work/Life
Benefits around Your Employee Population

The days of one-size-fits all employee benefit packages are becoming a thing of the past. An aging population and societal changes that have redefined the makeup of the “typical” American family are making it necessary for employers to offer a diverse choice of benefits to recruit and retain talented employees. Young employees are staying single longer and older employees are working more years. As expected, the needs of these two distinct populations also vary from that of young families or baby boomers.

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Trends in Company Match Contributions

A company match is an important incentive for attracting qualified employees, increasing participation levels, and most importantly, helping employees achieve a necessary asset level for retirement. Some recent statistics reveal:

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Considering Supplemental
Individual Income Protection Plans

Looking to change your benefit plan design to both keep your costs down and recruit/ retain employees? You may wish to consider this possibility: Instead of changing your Group Long-Term Disability (LTD) plan to accommodate highly-compensated key employees, consider working with your agent to add a Supplemental Individual Income Protection (SIIP) plan for all employees.

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Benefits Compliance FAQ

Question: Can a terminated employee have COBRA premiums deducted from a final paycheck on a pre-tax basis?

Answer: Yes, the employee may be able to have some of his COBRA premiums deducted from his final paycheck, if the employer’s policies and documents allow.

Read Full Article


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Fleischer Jacobs Group
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South Burlington, VT 05407-2343
P 802.865.5000 | F 802.865.4919
www.fjgfinancial.com

© 2007 Flesicher Jacobs Group

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