Daniel Robbins sits down with Bob Nienaber, founder and CEO of BenefitRFP, to break down what founders and executives misunderstand most about retirement, taxes, and executive compensation. Bob argues that the biggest threat to long term wealth is not income, it is taxes, and he shares how pre tax saving, smarter distribution planning, and properly structured plans can dramatically change outcomes. The conversation also explores why nonqualified plans exist, when smaller companies should consider them, why “cheap” phantom stock often backfires, and what Bob learned from exiting businesses.