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A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.
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The SIMPLE plan may appeal to small biz owners as it is easy to set up, administer, and allows for a tax deduction.
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Stretch IRAs
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If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.
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A Roth 401k is funded w/after-tax money, allows for tax- and penalty-free withdrawal of earnings if req are met.
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Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.
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A money purchase plan is a retirement plan where employer contributions are based on a fixed % of compensation.
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A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.
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Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.
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A split annuity strategy can generate immediate income while potentially stretching some retirement savings.
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Living benefits can help protect variable annuity owners from running out of money in retirement.
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Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.
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A New Chapter for Retirement
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A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life ins. policy for a new one.
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There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.
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Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.