The 401(k) is the most commonly used retirement plan in the U.S., and it’s easy to see why. Pre-tax money contributions and employee match programs are big perks. And 401(k)s are accessible – according to the Census Bureau, nearly 80% of Americans work for companies that offer a 401(k) plan. If your company offers a […]
401(k) Rollover: When You Should NOT Convert to an IRA
If you left a job or are planning to, it can make sense to opt for a 401(k) rollover into a traditional IRA. Leaving the employer where you started the 401(k) means you can’t contribute to it or earn an employer match, so rolling it over to an IRA gives you more options. There are […]
New Hampshire Retirement Population: Leveraging Potential
New Hampshire now has the second-oldest population in the country. According to the U.S. Census, 20 percent of the state’s population will be 65 or older by 2020. A recent episode of NHPR’s “The Exchange” featured Joseph Coughlin, author of “The Longevity Economy: Unlocking The World’s Fast-Growing, Most Misunderstood Market.” He is also the […]
Mega Roth Conversions
Mega Roth Conversions – The Basics If you want to get more money into a Roth IRA than what you can normally do, then you may want to think about doing a large, or mega, Roth conversion with after-tax money. This mega Roth conversion strategy could allow you to add an additional $36,500 into a Roth […]
3 Retirement Accounts for the Self-Employed
If you are self-employed or a contractor at a hospital, here are three accounts that you should consider setting up. Solo 401(k) or Individual 401(k) for the Self-Employed I like the Solo 401(k), also known as the Individual 401(k), because it offers the most flexibility. You get an employee and employer contribution totaling $55,000. Plus, there […]
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