Benefits Products and Services
We regularly counsel insurance companies, banks, mutual fund sponsors, consulting firms and other companies that provide goods and services in the employee plans market. We have assisted in the preparation of model documentation for Section 401(a), 401(k), 403(b), 408 and 457 plans (including all aspects of "turnkey" programs) and have secured IRS letters approving those models, where available. We also have worked extensively to design financial instruments for plan investment in accordance with tax, ERISA, Title VII, securities law and other applicable requirements, including the following:
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Pooled real estate investment vehicles in various forms ranging from commercial office buildings to timberland, including vehicles for tax-effective participation in project partnerships and leveraged real estate.
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Fixed return products, including GIC's, synthetic GIC's, and general account contracts with market value adjustment.
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Bank collective trust funds, variable insurance products, and mutual funds, including products not registered under the Investment Company Act of 1940.
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Various IRA arrangements, including debentures designed for IRA purchasers affiliated with the issuer and mutual fund IRAs marketed through savings and loans.
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Specialized insurance programs, including corporate-owned life insurance, trust-owned life insurance, split-dollar insurance programs, and individual and group universal life insurance.
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Investment management, advisory and asset allocation arrangements.
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Arrangements and disclosures designed to reflect the ERISA section 404 (c) regulations.
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