The terms for using this site

definedbenefits.com is an independent educational and referral site run by Defined Benefits LLC. The site explains defined benefit, cash balance and 412(e)(3) pension plans for small business owners, with the source for each rule beside it, and introduces owners who ask for a proposal to an independent plan firm. Using the site means you accept these terms.

The disclosures page sets out in full what the site is and is not: What this site is and is not.

No. Reading definedbenefits.com, using its tools or sending a form does not make you a client of Defined Benefits LLC or of anyone else. Nothing on the site is tax, legal, investment or insurance advice for your situation. Talk with your CPA, your attorney and an enrolled actuary before you act.

A working relationship begins only when you sign an agreement with a firm, and that agreement, not this page, sets its terms.

Each page states its figures and rules as of the date shown at its foot, and each figure links to the statute, regulation or agency page it comes from. Tax and pension rules change. A figure that was right on that date may not be right later, so check the linked source before you rely on it.

We fix errors when we find them, and we do not promise that every page is complete or current on the day you read it.

Pages here link to statutes, regulations, agency pages and published reports on other websites so you can read each source yourself. Defined Benefits LLC does not control those websites and is not responsible for what they say or how they handle your information. A link to another website is not an endorsement of it.

Defined Benefits LLC owns the writing, the design and the logo on definedbenefits.com. The laws, regulations and government pages quoted here are public documents, and each quotation links to its source. You may quote a short passage with a link to the page it came from; ask us at [EMAIL] before you reuse more than that.

Michigan law governs these terms and any disagreement about them or about the site. If a court decides that any part of these terms cannot be enforced, the rest of the terms still apply. We may update these terms, and the version on this page on the day you use the site is the one that applies.

Email [EMAIL] with any question about these terms, about something you read on the site or about information you have sent us. Tell us the address of the page you mean, if there is one, and we will answer within [N] business days.