Program Overview
Under the 409A rules and Split Dollar rules, an effective compensation plan can be an exceptional and very cost-effective tool for retaining employees and attracting new talent. This program provides comprehensive knowledge of these plans and shows you why they can be particularly effective in today’s economy.

By the end of the program you will be able to answer these questions:

• What is a Nonqualified Deferred Compensation Plan?
• Who can participate in such a plan?
• What design strategy will be used?
• What are the tax consequences to the employee?
• What are the tax consequences to the employer?
• Why are these plans so cost effective?

Featured Speaker:
Norman Kamerow, CLU, ChFC, MSFS is the co-founder and senior vice president of the Capital Financial Group and has been active in the insurance and financial service arena since 1948. He is an internationally and nationally recognized insurance expert, and successful financial planner. Norman has spoken four times at the Million Dollar Round Table and at many national industry and company meetings. He specializes in executive compensation planning, personal and business insurance, and estate planning, as well as personal and business financial planning. Norman received his masters degree in financial services from The American College, where he also received his CLU and ChFC designations. He was named Mutual of New York’s Man of the Year in 1977. He is past president of the DCLUA and in 1990 received the association’s Bernard Wilner Award. In 1997 Norman was presented the Edmond Zalinsky Distinguished Service Award from the Life Underwriters Training Council. He has been very active in the financial services industry as well as in local and national civic and religious organizations.

Educational Level: Intermediate