retirementplans
Almost half of private sector workers in the United States do not have access to employer sponsored retirement plans. This is one of the factors contributing to the large number of people who reach retirement age but have little to no retirement savings. Some states have addressed these retirement savings gaps by introducing state-run auto-IRA programs that certain employers must offer if they are not offering another option like a 401K. In this guide, you’ll find everything you need to know about these programs, and how you can take advantage of them. Understanding the Retirement Savings GapA...
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More and more people are entering the world of entrepreneurship. Being self-employed is appealing to many, offering freedom and control of your own future, as well as unlimited income potential. But it also has its challenges, one of which is retirement planning. In this guide, you’ll find out how to prepare for retirement as a self-employed individual. Retirement Planning for the Self-Employed – How is it Different?People who work for a company or in the public sector usually have the benefit of company-matched 401Ks or pension plans, making saving for retirement automatic. Self-employed peop...
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Retirement is a time to enjoy and relax. But the question is where? Some people look for a place close to their family and friends, while others want good weather year-round. And still, others want to live in an area with plenty of activities and entertainment. If you’re looking for a place to retire and need help figuring out what to look for, keep reading this article. We’ll discuss the different essential factors you should consider and give our recommendations on where you can find them. What Makes a Place Good for Retirement?Let’s start by discussing how to identify good retirement destin...
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A 2021 poll found that 59% of Americans don’t believe they will ever save enough to retire. In fact, a 2020 PwC survey found that 25% of American adults have no retirement savings at all. Those who do aren’t saving nearly enough in their retirement plans. Making things more difficult is that smaller companies often don’t know how to best assist employees with their retirement plans. Small businesses have tight margins. So, even though health benefits and retirement plans improve employee satisfaction, they’re on the cutting block as the economy worsens and business leaders seek cost-saving mea...
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Founded in 1997, a Roth IRA is named after former Delaware Senator William Roth. It’s simply an individual retirement account (IRA) that permits tax-free withdrawals is called a Roth IRA. As with traditional IRAs, Roth IRAs are qualified retirement plans. However, what separates these accounts the most is how they’re taxed. Additionally, Roth IRA contributions aren’t deductible since they’re funded with after-tax dollars. When you withdraw the funds, though. they’re tax-free. There are several ways to fund a Roth IRA; Regular contributionsSpousal IRA contributionsTransfersRollover contribution...
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