How do you reward your exceptional employees? SEFCU’s non-qualified deferred compensation plans may be just the thing. This type of plan allows the employees you select to defer the receipt of taxable income or bonuses until a time when they anticipate being in a lower tax bracket. Nonqualified plans also allow contributions beyond the caps for a qualified plan, and are generally subject only to limits set by the employer. To learn more about the incentives that non-qualified plans provide, call SEFCU Insurance Agency at 518-786-9905 or 888-250-6689 (outside the 518 area code), or e-mail agent@sefcuinsuranceagency.com.