Certifications: QKA, CHSP
Insights
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Understanding Backdoor Roth and Mega Backdoor Roth Strategies
Maximizing Your Retirement Savings: What High Earners Need to Know For employees aiming to optimize their retirement savings—especially those with higher incomes—traditional contribution methods may not always be enough. This is where advanced strategies like the Backdoor Roth IRA and Mega Backdoor Roth come into play. These options provide a way to grow tax-free retirement…
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Secure Your Legacy: Why Naming a Beneficiary for Your 401(k) Matters
When you participate in a 401(k) plan, you’re taking a significant step toward securing your financial future. But there’s an equally important, often overlooked, aspect of managing your plan: naming a beneficiary. This simple action ensures your loved ones are protected and minimizes complications if the unexpected happens. Here’s why it matters for both you…
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Roth vs. Pre-Tax 401(k): Which Contribution Strategy is Right for You?
When it comes to saving for retirement, one of the most important decisions you’ll make is whether to contribute to a pre-tax or Roth 401(k). Your choice could have a significant impact on your future tax situation, and understanding the difference is key to making the best decision for your financial future. In this post,…
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Streamlining Success: The Power of Payroll Integration for 401(k) Plans
Why Payroll Integration Matters In today’s fast-paced business world, companies face the challenge of balancing efficient operations with compliance and employee satisfaction. One area where streamlining operations can make a significant difference is the management of 401(k) retirement plans. Payroll integration with 401(k) systems not only simplifies administrative tasks but also boosts compliance, accuracy, and…
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Safe Harbor vs. Non-Safe Harbor 401(k) Plans: Which Is Right for Your Business?
When setting up or designing a retirement plan, it’s important to review your choices regarding company contributions and what your budget can afford. Safe Harbor match or Safe Harbor non-elective contributions can be great options to avoid additional governmental compliance testing, ensuring everyone is treated equally when participating in the plan. This allows your employees…
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