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Music hi I'm Michael Ruger I'm a certified financial planner on the managing partner Greenwich Financial Group and today I'll be going over simply array plans with you so simple IRA plans are type of employed sponsor plan we see these plans use a lot and smaller companies a lot of scenarios are that's a startup company and the owners are telling us that hey I just want to put a plan in place for my employees I'm still socking money in the business but I just want to get something in place simple I race tend to work in that scenario because they're a lot lower costs and 401k plans and allows employees to contribute out of their own pay and it gives them a little bit of an employer contribution the other scenario is the employer just says you know what that I even though the simple IRA contribution limits are lower than 401ks that's enough for me and they've got something a place for my employees and it's lower cost so there's a number of situations where they simple I raise make a lot o

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