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Would you like to visit our UK site?",[],"Stay on US site","You’re currently on our US site",[695],{"_uid":696,"heading":697,"cta_link":55,"cta_text":698,"component":699,"description":700,"pro_heading":701,"pro_cta_link":33,"pro_cta_text":702,"pro_description":703},"7404adca-dc5b-443e-a1b4-4c8bed2673b3","Financial advice","Match with an advisor","sidebar_cta","We’ll find a professional perfectly matched to your needs. Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the latest news, tips and guides to help you manage your finances","Thanks for signing up!","Please try again later, or email contact@unbiased.com","You should receive an email confirmation shortly.","I consent to Unbiased storing my data in accordance with their","Too many characters","privacy policy","Your email address is required","Your email address contains errors","Your consent is required","Your interest is required","Your first name is required","config",-60,[],0,"c7c18fda-2d94-4a2f-9d60-e1fee25d980a","2022-11-21T10:48:58.546Z","default",[],{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":734},256,"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":736},"\u003Cpath fill=\"currentColor\" d=\"m229.66 218.34l-50.07-50.06a88.11 88.11 0 1 0-11.31 11.31l50.06 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12\"/>",{"name":750,"created_at":751,"published_at":752,"updated_at":753,"id":754,"uuid":755,"content":756,"slug":1250,"full_slug":1251,"sort_by_date":34,"position":1252,"tag_list":1253,"is_startpage":543,"parent_id":1254,"meta_data":34,"group_id":1255,"first_published_at":1256,"release_id":34,"lang":730,"path":34,"alternates":1257,"default_full_slug":34,"translated_slugs":34},"What is a Supplemental Executive Retirement Plan?","2023-10-27T14:38:51.100Z","2024-11-27T11:01:05.626Z","2024-11-27T11:01:05.668Z",397176719,"59253546-33a6-4b0c-9ec6-4b5e8e93178e",{"_uid":757,"body":758,"hero":1163,"author":1188,"sidebar":1212,"hide_cta":543,"metatags":1241,"component":1245,"bottom_banner":1246,"subcategories":1247,"hide_pro_banner":543,"intro_paragraph":1248,"intro_subheading":12,"table_of_contents":558,"outgrow_calculator":1249,"hide_email_signup_widget":543,"show_footer_sticky_banner":543},"62cbddd8-05f0-4263-abfe-7140212d909f",[759,902,905,1117,1121],{"_uid":760,"data":761,"component":901},"7721bdee-43f4-48ed-9c26-22ade1f1eb6c",{"type":15,"content":762},[763,774,827,836,843,850,859,866,873,894],{"type":764,"attrs":765,"content":767},"heading",{"level":766},2,[768],{"text":769,"type":22,"marks":770},"Summary ",[771,772],{"type":38},{"type":129,"attrs":773},{"color":12},{"type":775,"content":776},"bullet_list",[777,787,796,805],{"type":778,"content":779},"list_item",[780],{"type":18,"content":781},[782],{"text":783,"type":22,"marks":784},"Supplemental executive retirement plans compensate and retain key executives. ",[785],{"type":129,"attrs":786},{"color":12},{"type":778,"content":788},[789],{"type":18,"content":790},[791],{"text":792,"type":22,"marks":793},"SERP payments are in addition to payouts from a standard retirement savings plan. ",[794],{"type":129,"attrs":795},{"color":12},{"type":778,"content":797},[798],{"type":18,"content":799},[800],{"text":801,"type":22,"marks":802},"SERP payouts are taxable at ordinary income tax rates.  ",[803],{"type":129,"attrs":804},{"color":12},{"type":778,"content":806},[807],{"type":18,"content":808},[809,814,822],{"text":810,"type":22,"marks":811},"A ",[812],{"type":129,"attrs":813},{"color":12},{"text":815,"type":22,"marks":816},"financial advisor",[817,820],{"type":31,"attrs":818},{"href":819,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/",{"type":129,"attrs":821},{"color":12},{"text":823,"type":22,"marks":824}," is best placed to help you navigate a SERP and ensure you’re getting the right deal for your retirement.",[825],{"type":129,"attrs":826},{"color":12},{"type":764,"attrs":828,"content":829},{"level":766},[830],{"text":831,"type":22,"marks":832},"What is a SERP retirement plan? ",[833,834],{"type":38},{"type":129,"attrs":835},{"color":12},{"type":18,"content":837},[838],{"text":839,"type":22,"marks":840},"A supplemental executive retirement plan, also known as a SERP, is a non-qualified, powerful tool aimed at compensating and retaining key executives.  ",[841],{"type":129,"attrs":842},{"color":12},{"type":18,"content":844},[845],{"text":846,"type":22,"marks":847},"SERP retirement benefits are offered to top-level executives in addition to the benefits included in the company’s standard retirement savings plan.  ",[848],{"type":129,"attrs":849},{"color":12},{"type":764,"attrs":851,"content":852},{"level":766},[853],{"text":854,"type":22,"marks":855},"Who is eligible for a SERP? ",[856,857],{"type":38},{"type":129,"attrs":858},{"color":12},{"type":18,"content":860},[861],{"text":862,"type":22,"marks":863},"Companies usually offer a SERP to top executives as an incentive.",[864],{"type":129,"attrs":865},{"color":12},{"type":18,"content":867},[868],{"text":869,"type":22,"marks":870},"Companies can do this selectively for executives. One reason they may choose to boost the savings of those whose contributions to the company’s qualified plan are limited by income eligibility limits, maximum annual contributions, or both.  ",[871],{"type":129,"attrs":872},{"color":12},{"type":18,"content":874},[875,880,889],{"text":876,"type":22,"marks":877},"The qualified plan may be a ",[878],{"type":129,"attrs":879},{"color":12},{"text":881,"type":22,"marks":882},"401(k)",[883,887],{"type":31,"attrs":884},{"href":885,"uuid":34,"anchor":34,"target":886,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-a-401k-and-how-does-it-work","_blank",{"type":129,"attrs":888},{"color":12},{"text":890,"type":22,"marks":891},". Sometimes, key employees who are thinking about changing companies or improving their current benefits package try to negotiate for a SERP. ",[892],{"type":129,"attrs":893},{"color":12},{"type":18,"content":895},[896],{"text":897,"type":22,"marks":898},"High-level C-suite executives aren’t the only ones who may be eligible for this long-term incentive. A company can also offer SERP benefits to other elite employees and those with many years of experience. ",[899],{"type":129,"attrs":900},{"color":12},"article-rich-text",{"_uid":903,"component":904,"apply_margin_top":543,"apply_margin_bottom":543},"d82cb589-941d-42af-ba80-99df46f75197","app-match-flow",{"_uid":906,"data":907,"component":901},"4f67ac4d-8f4f-4f30-a927-a37399f8f271",{"type":15,"content":908},[909,916,920,932,936,943,947,951,955,959,965,973,980,984,988,1023,1030,1034,1038,1079,1086,1090,1094,1098,1104],{"type":764,"attrs":910,"content":911},{"level":766},[912],{"text":913,"type":22,"marks":914},"How does a SERP work?  ",[915],{"type":38},{"type":18,"content":917},[918],{"text":919,"type":22},"For a SERP to work, the company and the executive sign an agreement promising the executive a specified amount of supplementary income based on various eligibility conditions. The executive must meet these conditions. ",{"type":18,"content":921},[922,924,930],{"text":923,"type":22},"The company funds the plan accordingly. This can happen by the company paying the premiums of a cash-value ",{"text":925,"type":22,"marks":926},"life insurance policy ",[927],{"type":31,"attrs":928},{"href":929,"uuid":34,"anchor":34,"target":886,"linktype":36},"https://www.unbiased.com/discover/insurance/what-is-life-insurance-and-how-does-it-work",{"text":931,"type":22},"or by funding the plan out of current cash flows or investment funds. The money due to the executive and the taxes on it are deferred. ",{"type":18,"content":933},[934],{"text":935,"type":22},"When the executive retires, they will receive supplemental retirement income. The executive must pay state and federal taxes on this income just as they would on ordinary income. The company will receive a tax deduction at this time. ",{"type":764,"attrs":937,"content":938},{"level":766},[939],{"text":940,"type":22,"marks":941},"SERP retirement example",[942],{"type":38},{"type":18,"content":944},[945],{"text":946,"type":22},"Let’s illustrate this with an example of how a SERP can work for you.  ",{"type":18,"content":948},[949],{"text":950,"type":22},"Let’s say you and your employer sign a SERP retirement plan agreement that takes the form of a cash-value life insurance policy. ",{"type":18,"content":952},[953],{"text":954,"type":22},"Your employer will buy an insurance policy of an agreed-upon amount for you, paying the monthly premiums for the duration of your time of employment. Your employer will receive tax benefits as they pay the insurance policy premiums. ",{"type":18,"content":956},[957],{"text":958,"type":22},"When you retire, the insurance policy will pay out a taxable supplementary income. If you quit the company before retirement, your employer will still have access to the insurance policy’s cash value. If you pass away, your employer will be a beneficiary of the payout and will receive tax benefits. ",{"type":18,"content":960},[961],{"text":962,"type":22,"marks":963},"Whether you’re looking at negotiating for a SERP with your employer or you want to offer the key executives at your company SERPs, a financial advisor will consider your needs and desires, working with you to create bespoke options. ",[964],{"type":38},{"type":18,"content":966},[967],{"text":968,"type":22,"marks":969},"Find a trusted financial advisor with Unbiased today.",[970,972],{"type":31,"attrs":971},{"href":819,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":38},{"type":764,"attrs":974,"content":975},{"level":766},[976],{"text":977,"type":22,"marks":978},"What are the advantages of a SERP? ",[979],{"type":38},{"type":18,"content":981},[982],{"text":983,"type":22},"As mentioned above, the advantages or benefits of a SERP aren’t limited to the employee. A supplementary executive retirement plan can also have advantages for the company.",{"type":18,"content":985},[986],{"text":987,"type":22},"Three of the biggest advantages include: ",{"type":989,"attrs":990,"content":992},"ordered_list",{"order":991},1,[993,1003,1013],{"type":778,"content":994},[995],{"type":18,"content":996},[997,1001],{"text":998,"type":22,"marks":999},"No approval and minimal admin required",[1000],{"type":38},{"text":1002,"type":22},": As non-qualified plans, SERPs do not need IRS approval, and they require minimal reporting. ",{"type":778,"content":1004},[1005],{"type":18,"content":1006},[1007,1011],{"text":1008,"type":22,"marks":1009},"The company can recover its costs: ",[1010],{"type":38},{"text":1012,"type":22},"The company can recover its costs if a cash-value life insurance policy is used to fund the SERP benefits. When the company uses a policy, it will benefit from tax-deferred accumulation within the policy. By structuring it correctly, the company can cover the costs it spent on the policy. ",{"type":778,"content":1014},[1015],{"type":18,"content":1016},[1017,1021],{"text":1018,"type":22,"marks":1019},"The SERP might include death benefits",[1020],{"type":38},{"text":1022,"type":22},": An executive’s bespoke SERP can consist of death benefits if the plan is a cash-value life insurance policy. These death benefits provide a lump-sum payment or continued supplemental payments to the executive’s family in the event of the executive’s premature death. ",{"type":764,"attrs":1024,"content":1025},{"level":766},[1026],{"text":1027,"type":22,"marks":1028},"What are SERP plan limits? ",[1029],{"type":38},{"type":18,"content":1031},[1032],{"text":1033,"type":22},"A supplemental executive retirement plan can also have a few disadvantages. It’s important to know what these drawbacks are if you are thinking about negotiating for a SERP.",{"type":18,"content":1035},[1036],{"text":1037,"type":22},"Three of the biggest disadvantages include: ",{"type":989,"attrs":1039,"content":1040},{"order":991},[1041,1051,1069],{"type":778,"content":1042},[1043],{"type":18,"content":1044},[1045,1049],{"text":1046,"type":22,"marks":1047},"No protection from creditor claims",[1048],{"type":38},{"text":1050,"type":22},": If the company becomes insolvent before the executive makes SERP withdrawals, the funds could be paid to creditors who have superseding claims. ",{"type":778,"content":1052},[1053],{"type":18,"content":1054},[1055,1059,1061,1067],{"text":1056,"type":22,"marks":1057},"Risk of tax disadvantages:",[1058],{"type":38},{"text":1060,"type":22}," If the executive doesn’t move into a lower tax bracket when they retire due to their already significant retirement benefits, their SERP benefits will be taxed at ordinary income tax rates. This tax rate is currently around ",{"text":1062,"type":22,"marks":1063},"37%",[1064],{"type":31,"attrs":1065},{"href":1066,"uuid":34,"anchor":34,"target":886,"linktype":36},"https://www.forbes.com/advisor/taxes/taxes-federal-income-tax-bracket/",{"text":1068,"type":22}," and may increase in the future. ",{"type":778,"content":1070},[1071],{"type":18,"content":1072},[1073,1077],{"text":1074,"type":22,"marks":1075},"The employee might need to meet certain conditions to receive future payouts:",[1076],{"type":38},{"text":1078,"type":22}," The executive will only receive supplemental executive retirement plan payouts if they meet certain conditions specified by the company. For example, the executive might need to work for the company for a certain number of years. If they leave the company before they retire or retire early, they will not receive any SERP payouts. ",{"type":764,"attrs":1080,"content":1081},{"level":766},[1082],{"text":1083,"type":22,"marks":1084},"How do I navigate through a SERP? ",[1085],{"type":38},{"type":18,"content":1087},[1088],{"text":1089,"type":22},"A SERP can be an effective tool for offering long-term incentives to executives and longstanding employees to encourage them to remain with a company.  ",{"type":18,"content":1091},[1092],{"text":1093,"type":22},"The executive can benefit from payments that supplement the payments from the company’s standard retirement savings plan. The company can benefit from tax deductions and potentially cover its costs when the retired executive receives SERP payments.  ",{"type":18,"content":1095},[1096],{"text":1097,"type":22},"Finding a trusted financial advisor is the best way to start navigating your way through a supplemental executive retirement plan.",{"type":18,"content":1099},[1100],{"text":1101,"type":22,"marks":1102},"Finding a financial advisor you can trust doesn’t have to be difficult. Answer a few questions and let Unbiased connect you with the best SEC-regulated financial advisor for your needs.",[1103],{"type":38},{"type":18,"content":1105},[1106,1113],{"text":1107,"type":22,"marks":1108},"Match with an advisor now",[1109,1112],{"type":31,"attrs":1110},{"href":1111,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.co.uk/enquiry/match-intro/financial-adviser",{"type":38},{"text":1114,"type":22,"marks":1115},".",[1116],{"type":38},{"_uid":1118,"text":1119,"component":1120},"7a7c2047-f414-4e00-bda5-7f38b5a925b7","Frequently asked questions","article-subheading",{"_uid":1122,"component":1123,"accordions":1124},"11b73e58-7d8a-4882-824a-89606a233aca","app-accordion-group",[1125,1139,1151],{"_uid":1126,"text":1127,"title":1137,"component":1138},"7feebb2c-625f-4820-858e-2f4c578e68c7",{"type":15,"content":1128},[1129],{"type":18,"content":1130},[1131],{"text":1132,"type":22,"marks":1133},"Payouts from Supplemental Executive Retirement Plans (SERPs) can be structured as either a one-time lump sum payment or as a series of payments over time. The tax implications differ between these two payout methods, so executives should carefully weigh the pros and cons of each when deciding how to receive their SERP compensation.",[1134],{"type":129,"attrs":1135},{"color":1136},"rgb(41, 38, 27)","How is a SERP paid out?","app-accordion",{"_uid":1140,"text":1141,"title":1150,"component":1138},"516a90b1-a292-4887-a936-67447e2af589",{"type":15,"content":1142},[1143],{"type":18,"content":1144},[1145],{"text":1146,"type":22,"marks":1147},"Supplemental Executive Retirement Plans (SERPs) are executive compensation plans offered by some tax-exempt organizations to a select group of top-level executives. Unlike retirement accounts such as 457(b) and 401(k) plans which have annual contribution limits, SERPs do not place defined legal limits on contributions. This allows tax-exempt organizations significant flexibility in structuring substantial deferred compensation packages for key executives through SERPs. Executives should weigh factors like payment structure and tax implications when participating in these plans.",[1148],{"type":129,"attrs":1149},{"color":1136},"Is a SERP a 457 plan?",{"_uid":1152,"text":1153,"title":1162,"component":1138},"789cc928-46cb-48da-85a8-ac4d65ef3106",{"type":15,"content":1154},[1155],{"type":18,"content":1156},[1157],{"text":1158,"type":22,"marks":1159},"A key feature of Supplemental Executive Retirement Plans (SERPs) is that they allow more flexibility around withdrawals compared to standard retirement accounts. SERP funds can be accessed without penalty prior to age 59 1⁄2, and they do not require participants to begin taking minimum distributions at age 73 like 401(k)s and IRAs. While most employers stipulate that SERP payouts must start at the executive's retirement or termination of employment, the plans can be structured with various options around timing and amount of distributions. This customizable nature of SERPs allows both the employer and executive to configure the deferred compensation plan in a way that best fits their needs and goals.",[1160],{"type":129,"attrs":1161},{"color":1136},"When can you withdraw from a SERP?",[1164],{"_uid":1165,"image":1166,"title":1174,"component":1187,"breadcrumbs":558,"hideHeroImage":543},"207172ee-dcc9-46da-b3a0-725f1e8f4ca4",{"id":1167,"alt":1168,"name":12,"focus":12,"title":1169,"source":12,"filename":1170,"copyright":12,"fieldtype":1171,"meta_data":1172,"content_type":1173,"is_external_url":543},12239842,"An old man sitting at a table looking at a laptop","Supplemental Executive Retirement Plan","https://a.storyblok.com/f/185166/1921x1281/b82a8be2bd/supplemental-executive-retirement-plan.webp","asset",{},"webp",{"type":15,"content":1175},[1176],{"type":18,"content":1177},[1178,1180,1185],{"text":1179,"type":22},"What is a ",{"text":1169,"type":22,"marks":1181},[1182],{"type":25,"attrs":1183},{"class":1184},"primary-gradient",{"text":1186,"type":22},"?","app-hero",{"name":1189,"created_at":1190,"published_at":1191,"updated_at":1192,"id":1193,"uuid":1194,"content":1195,"slug":1204,"full_slug":1205,"sort_by_date":34,"position":1206,"tag_list":1207,"is_startpage":543,"parent_id":1208,"meta_data":34,"group_id":1209,"first_published_at":1210,"release_id":34,"lang":730,"path":34,"alternates":1211,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1196,"_uid":1197,"name":1189,"image":1198,"component":1202,"description":1203},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1199,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1200,"copyright":12,"fieldtype":1171,"meta_data":1201,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1213,1230],{"_uid":1214,"body":1215,"title":1228,"component":1229},"7061a004-d5b3-46a3-ac08-226c578ee426",[1216,1220,1224],{"_uid":1217,"href":1218,"text":1219,"component":542,"openInNewWindow":558},"79b186cb-d1f8-4131-90f2-6657a07d7009","unbiased.com/discover/retirement/retirement-planning-for-singles-how-much-do-you-need","Retirement planning for singles",{"_uid":1221,"href":1222,"text":1223,"component":542,"openInNewWindow":558},"cae2963f-47b5-417b-98af-49b706d81d91","unbiased.com/discover/retirement/retirement-planning-three-questions-to-ask-your-potential-financial-advisor","What to ask your retirement advisor",{"_uid":1225,"href":1226,"text":1227,"component":542,"openInNewWindow":558},"d335b1d0-f224-4420-ab0c-d7cc002fafcd","https://www.unbiased.com/discover/retirement-investing/where-is-the-best-place-to-get-good-retirement-advice","Where to get good retirement advice","Related to this article","app-links-list",{"_uid":1231,"list":1232,"cta_link":819,"cta_text":1233,"component":1234,"window_label":12,"window_title":1235},"980dc015-72a5-49e0-ae58-e81de5c095cf","Start making confident financial decisions with expert advice. ","Connect to a financial advisor","app-banner",{"type":15,"content":1236},[1237],{"type":18,"content":1238},[1239],{"text":1240,"type":22},"Planning your retirement?",{"title":1242,"plugin":1243,"og_image":12,"og_title":12,"description":1244,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Supplemental Executive Retirement Plan | Unbiased","seo_metatags","Understanding Supplemental Executive Retirement Plans (SERPs): discover more about this retirement plan including it's benefits, disadvantages and eligibility. ","app-article",[],[],"From how they work to their advantages and disadvantages for both companies and employees, this articles sheds some light on supplemental executive retirement plans.",[],"supplemental-executive-retirement-plan","discover/investing/supplemental-executive-retirement-plan",310,[],365491304,"a317363f-1abf-47dd-885f-553480764680","2023-10-27T15:39:34.553Z",[],{"left":727,"top":727,"width":1259,"height":1259,"rotate":727,"vFlip":543,"hFlip":543,"body":1260},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1262,1265,1266],{"title":1263,"exact":558,"href":1264},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1267,"disabled":558},"/discover/investing/supplemental-executive-retirement-plan",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1269},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540755552]