The Front & Back End to Maximizing Qualified Retirement Plan Assets
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SPEAKER BIOS
KENNETH HOROWITZ
Kenneth A. Horowitz entered the life insurance business in 1989. He became affiliated with the Guardian Life Insurance Company of America, New York, NY as a Field Representative with the Compain Anderson Group and went on to qualify for the company’s prestigious Leader’s Club and other distinguished awards.
After merging with another NYC based Guardian agency in 2000, Strategies for Wealth, Ken’s business grew more diversified providing clients comprehensive financial services. His commitment to the financial services business is exemplified by qualifying as a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (ChFC), as well as earning a Series 7 and RIA (Registered Investment Advisor). In 2016, Ken earned his RICP designation as a Retirement Income Certified Planner, and AEP designation in 2022.
In 2007, Ken’s business continues to expand by merging his practice with National Pension Consultants II, Inc a 30-year-old pension consulting firm, based in Rye Brook, New York. Their services included administration, design and implementation of 401k, profit sharing and pension plans for small and medium size businesses. Their knowledge of pension legislation has allowed them to create a niche in this segment of financial services providing seminars to various CPA firms, CPA Societies, business owner and professional groups. Ken has had several articles published on retirement planning in Advisor Today, NJ CPA Journal, The NYS CPA Journal and their on-line publication, Taxstringer. He has also been published in the NAEPC Journal on the impact of the SECURE Act to IRA tax planning.
Ken received his MBA from Hofstra University. He and his family have lived in Bergen County, New Jersey over 30 years. He has always given his time to help various charitable and local organizations. Some of his affiliations include: Executive Board Member of Albert Einstein College of Medicine; Penn State Parents Association; Y-JCC of Bergen County; The Loomis-Chafee Alumni Association; and member and coach of the Woodcliff Lake Basketball Association. He has served on the board of the Bergen County Estate Planning Council culminating with serving as President in 2021-2022.
Ken’s unique ability to motivate a group of individuals to accomplish a common goal is illustrated by taking his sons’ basketball teams through an undefeated season, two championships as well as numerous playoff and final appearances. It is with this same passion and commitment that Ken works with clients to maximize their personal and business financial opportunities.
Ken is licensed to conduct insurance and investment business in several states across the country.
WILLIAM MILLER
William Miller is an Enrolled Actuary, enrolled with the Joint Board for the Enrollment of Actuaries which is a government agency under the joint jurisdiction of the Department of Labor and Department of Treasury.
Mr. Miller has held the position of Chief Actuary at the law firm of Danziger & Markhoff LLP for the past forty-seven years. Among his daily functions as an Actuary is to evaluate participants’ pensions and the corresponding present values. Using the actuarial principles needed in evaluating pension plans, the present value of pension benefits may be computed in matrimonial actions. Mr. Miller also counsels individuals, professional corporations and business owners in connection with the design and operations of their retirement plans. He works closely with the firm's pension law attorneys to maximize the tax and financial benefits of retirement plans. At the plan design stages, he consults with clients to determine tax, financial and business goals relevant to the plan, and formulates alternative models demonstrating the plan costs under a range of options. Mr. Miller also consults with clients who have existing retirement plans to ensure the reliability of the cost projections and evaluate options in structure and contribution levels. Using the knowledge of life contingencies, present values of life estates and reversionary annuities may also be computed.
Mr. Miller has an undergraduate degree in Mathematics from Queens College of the City University of New York and a Master of Science in Quantitative Analysis with Specialization in Actuarial Science from New York University. He is a Member of the American Society of Enrolled Actuaries, a Member of the American Academy of Actuaries and a Fellow in the Conference of Consulting Actuaries. Mr. Miller has co-authored articles on pension planning for Probate & Property magazine and the Journal of Taxation of Employee Benefits.
ANDREW E. ROTH, ESQ.
Andrew E. Roth is a partner of Danziger & Markhoff LLP with over 35 years of experience as an ERISA attorney. He is a frequent lecturer in the areas of pension, profit-sharing and employee benefits law. He has substantial experience in designing and implementing qualified plans for business owners that maximize deductible contributions on their behalf. His services include designing, drafting and obtaining IRS qualification for a broad range of defined contribution and defined benefit plans, as well as ensuring their continued compliance with applicable law. He also has substantial experience in connection with prohibited transactions and fiduciary matters.
Mr. Roth attended University College of Arts and Science of New York University (BA 1975) and graduated magna cum laude from Brooklyn Law School (JD 1981). Mr. Roth also received an LLM in Taxation from New York University School of Law (1982). He is admitted to practice before the U.S. Tax Court, the Federal District Courts for the Southern and Eastern Districts of New York and is a member of the New York State Bar Association.
