2012 STAR Due Diligence and Video Overview

for HCE's, Employers, Professional Advisors and Trustees

Why is The STAR Plan the more efficient fund management structure today for healthy successful individuals?  Today's math.

• Washington limits access to federally protected savings and retirement plans. 

• It defines individuals earning more than the compensation cap as "Highly Compensated Employees", or HCE's.  $115,000 in 2012.

• Washington has always taken the position that HCE's have access to other alternatives that don't require federal protection.

The STAR Plan is an external VVC administered benefit plan complement designed specifically for HCE's and their family.

2012 "What if I knew?" Video Due Diligence Overview      Video Slides (pdf)

Mark Whitelaw reviews the ILI fund management diversification opportunity and VVC's "What if I knew?" financial analysis providing HCE's, employers, professional advisors and trustees full disclosure of The STAR Plan's role in 21st century wealth management.  MS Producer Presentation - MS Internet Explorer Required

The STAR Plan was created in 2002 to serve two markets:

• Employers that want to help their HCE's -  Sample Employer STAR Awareness Email to HCE's. (MS Word)  (PDF)

• HCE's that work for employers that don't - Sample HCE STAR Awareness Email to Friends and Colleagues. (MS Word)  (PDF) 

STAR is the ideal complement for every HCE and employer that ever said "yes" or "no" to the 401(k) or non-qualified deferred compensation (NQDC) plan.

One-page STAR Value Summaries:

• Why March is the most popular awareness and enrollment month reviews the STAR value proposition from both the Employer and HCE perspectives.

• HCE Eligibility and Suitability Checklist reviews who STAR is designed for and why ILI is the more suitable financial structure for HCE wealth management.

• The STAR "Strategy" compares the illustrated lifelong "spendable" cash-flow from the STAR wealth management strategy to six other financial structures utilizing common financial assumptions and objectives.  STAR is the more efficient financial "structure" for a HCE to save outside the workplace.

• ILI Index Fund "Strategy" vs Indexed Life Insurance "Safety Net" shows the significant value differences in two completely different approaches to index related savings.

• The STAR Plan for the Index or ETF Investor demonstrates the value enhancement of the STAR structure - ILI risk fees have less impact on investment gain than taxes.

• The "Who" and "Why" is a checklist of the reasons why HCE's and Employers choose The STAR Plan.

The choices you make today could benefit, or impact you and your family for decades, or generations. 

• The issue today is not access to leading funds, but access to the more efficient pricing and tax structures to manage those funds.

• VVC's "What if I knew?" analysis breaks down the math behind today's six structural choices and provides you the information needed to make informed decisions.

STAR is the more efficient fund, tax, risk and cash management structure today to complement your tax qualified monies (401(k), Roth, Rollover IRA) and non-qualified deferred compensation plan. 

Please feel free to contact me directly with your questions and to order your complementary  "What if I knew?" Analysis.

Charles M “Mark” Whitelaw – President

Mark@ValleyViewConsultants.com