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As a successful neurosurgeon, you should have a retirement plan that allows you to maximize tax-advantaged savings now to help you build a financially secure tomorrow.

And because the economic challenges of running a successful practice mean managing expenses, you should have the flexibility to minimize retirement plan costs associated with eligible staff.

What’s more, with tremendous demands on your time, you should have the peace of mind that comes from comprehensive, efficient retirement plan administrative services and support.

Now, as an AANS member, you can have access to all of this and more through a leading benefits consulting firm-and at preferred rates.

Introducing STRAT-SD®
An Innovative & Flexible Retirement Plan Designed Expressly for Medical Practices

The Right Fit for Your Practice: Recognizing that successful neurosurgeons face similar issues and share common requirements when it comes to finding the ideal retirement plan for their practices, the experts at Chernoff Diamond custom designed a unique pension program called STRAT-SD.

This IRS-approved plan enables highly compensated physicians to make very substantial qualified plan contributions—far in excess of current defined contribution plan annual limits.

At the same time, costs for eligible staff and associ ates can remain low, usually ranging from 3 to 4 percent of compensation.

	STRAT-SD At-A-Glance
►	Maximizes benefits for highly compensated physicians
►	Minimizes costs for staff and associates
►	Allows fully tax-deductible annual contributions from $40,000 to $200,000
►	Assets grow on a tax-deferred basis
►	Self-directed investment accounts
►	Virtually unlimited investment alternatives
►	Fully supported by experienced, service-oriented professionals.
►	Plan design mitigates risk of plan overfunding / underfunding
►	Plan assets are exempt from creditor claims.
►	Preferred rates for AANS members.

Through STRAT-SD, physicians can choose from thousands of mutual funds when determining the investment options for Plan participants in their practice. And each participant can individually direct how his or her assets are allocated and select investments to meet personal financial goals.

What’s more, STRAT-SD plans are fully administered by a dedicated Chernoff Diamond service team of experienced professionals.

And as a benefit of your AANS membership, you can now access the comprehensive services of Chernoff Diamond—including STRAT-SD—at preferred rates.

While traditional pension plans typically limit annual contributions to $40,000 per participant, the STRAT-SD plan, created by Chernoff Diamond & Co., enables highly compensated surgeons to make tax-deductible contributions to individual accounts of up to $200,000 each year!

note: The accompanying illustration assumes annual contributions of $200,000 to a STRAT-SD plan and $40,000 to a typical plan, each growing at 8% per annum.

Chart STRAT-SD Typical Plan Increased Contributions

Chart STRAT-SD Typical Plan Increased Benefits

The benefits are significant. The increased contributions are directed to individual participant accounts that grow on a fully tax deferred basis and exempt from creditors. The bottom line: Dramatically increased retirement assets.

note: The accompanying illustration assumes annual contributions of $200,000 to a STRAT-SD plan and $40,000 to a typical plan, each growing at 8% per annum.

Chernoff Diamond & Co., LLC is a nationally recognized benefits consulting firm providing the in-depth services necessary to meet the complex and interrelated challenges that our professional clients face. More specifically, Chernoff Diamond provides comprehensive services for the design, implementation and administration of pension, profit sharing and 401(k) plans as well as related programs of executive and deferred compensation.

We pride ourselves at thinking outside the box. Without stepping out of bounds.
With more than 25 years of experience, combined with the proper blend of professional expertise, state-of-the-art systems and exacting standards, Chernoff Diamond has distinguished itself by consistently designing “business smart” retirement plans that are efficient, effective and responsive to the specific needs of each client.

Expertise.
Experience.
Innovative thinking.
And a commitment to excellence.

These are skills and qualities you bring to the table every day to provide superior patient care. At Chernoff Diamond, we apply these same capabilities and standards to achieve high quality results for our clients.

And just as you provide specialized, personal care based on the needs of each patient, we at Chernoff Diamond specialize in customizing benefits programs to meet the unique needs of our clients.

In fact, AANS selected Chernoff Diamond for an exclusive partnership because of our role as an industry leader and because we can offer AANS members a unique, expanded retirement program designed specifically for medical professionals and their practices.

For more information about the STRAT-SD Expanded Pension Plan and the full range of services rates available to AANS members at preferential rates, call 516-683-6100 and ask for AANS Retirement Plan Services.