Advantages of Rolling Assets from your Last Employers 401K Plan

If you have money in any prior employer(s) retirement plans or in an IRA, you can roll it over to a new Rollover IRA or into your existing Rollover IRA.  There are several advantages of rolling over and consolidating your multiple retirement accounts.

Read about the advantages here.  Make sure to download our FREE '401(k) Rollover Made Easy' kit. We can help you consolidate your retirement assets. 

Four Really Good Reasons to Invest

Over half of Americans do not own any stocks, or stock-related investments, such as mutual funds, according to Bankrate’s Money Pulse survey.¹

Individuals may cite different reasons for not investing, but with important long-term financial goals, such as retirement, in the balance, the reasons may not be good enough.

Why Invest?

Investment Challenges of the Affluent Investor

High-net-worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply equally to them as with any other investor, but the affluent investor needs to be mindful of issues that typically arise only from substantial wealth.

Read on as we examine a few of these.

Eight Mistakes That Can Upend Your Retirement

Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible.

Social Security: Two Benefit Strategies Eliminated

With the passage of the Bipartisan Budget Act of 2015, two strategies to potentially maximize Social Security benefit payments were eliminated.

An Overview

Prior to the budget’s passage, married couples had two strategies to help maximize their Social Security benefits: “file-and-suspend” and “restricted applications.”¹
Under file-and-suspend, the higher-earning spouse filed for benefits and then suspended them, allowing the lower-earning spouse to claim a spousal benefit. This also let the higher-earning spouse accrue delayed retirement credits. Upon attaining age 70, the couple then could switch to each taking their own individual benefit to receive the highest possible amount.

Solo 401(K): A Low Cost Ultra-flexible Retirement Plan

A no cost solo 401(k) plan for self-employed is an efficient, low cost, ultra-flexible Tax advantaged plan of choice. It is killing SEP-IRAs. It behooves sincere consideration of every sole proprietor who has a current SEP IRA or those who looking for a new retirement vehicle.

There are very few home runs in the retirement planning industry, but choosing a solo 401(k) - also known as an Independent 401(k) - over the SEP IRA is clearly one of them. If you are a sole proprietor or self-employed and you want to maximize retirement contributions with the lowest cost and highest flexibility, check out six reasons why the Solo 401(k) may be a good fit for you.

Have You Had a 401k Checkup?

The 401k model is broken.  We're fixing it. Out of all the different things you have to manage on a day to day basis to ensure your business continues to grow and remain successful, how much time do you devote to making sure your 401k plan is on track and maximizing returns for your employees' retirement savings?  We're guessing probably not much. More often than not we see managers set up their 401k plan  and forget it.  If you have the same take on it, you are doing a disservice to your business and your employees. You need a 401k plan check up and we can show you how to offer a plan with less cost, less risk and less work.