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401(K) Rollovers

Most people have worked for a large company or state employer during their lifetime. When they retire they must do something with their 401(k). We will conduct a comprehensive review of your existing 401(k) and help you transition this to an IRA in your name. We will explain how your beneficiaries can inherit your IRA (when you are no longer here) and “stretch” the payments of the IRA over their life expectancy so as to minimize federal income tax. This is known as the “stretch” IRA concept. This is not a produce, but a process.


401 (K) Articles

What Is a Roth IRA?

Roth IRAs are tax-favored financial vehicles that enable investors to save money for retirement. They differ from traditional IRAs in that taxpayers cannot deduct contributions made to a Roth. However, qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in a taxpayer’s gross income. That can be advantageous,

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Save Now or Save Later?

Most people have good intentions about saving for retirement. But few know when they should start and how much they should save.

Sometimes it might seem that the expenses of today make it too difficult to start saving for tomorrow. It’s easy to think that you will begin to save for retirement when you

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What Is a 401(k) Plan?

A 401(k) plan is a self-directed, qualified retirement plan established by an employer to provide future retirement benefits for employees. Employee contributions are made on a pre-tax basis, and employer contributions are often tax deductible.

If you have a Roth 401(k) option, contributions are made with after-tax dollars, but qualified distributions after age 59½ are free

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