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Should You Invest with Family: Pros and Cons to Consider

Should You Invest with Family: Pros and Cons to Consider

Most people wish for the success of their family, while others go about creating it together. With the stock market fall wiping out the savings of millions, it sounds like the perfect time to build wealth with the people you trust the most. However, running a business...

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What You Need to Know About a Safe Harbor 401(k)?

What You Need to Know About a Safe Harbor 401(k)?

A 401(k) plan makes it easier for your employees to save for retirement. To ensure everyone is benefitted from the plan, the IRS has established nondiscrimination tests to measure whether a 401(k) plan unduly favors highly compensated employees. This is just for...

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What Is a Coverdell Education Savings Account?

What Is a Coverdell Education Savings Account?

What is a Coverdell ESA? Coverdell Education Savings Account (ESA) is a tax-deferred trust or custodial account created by the US government to help families fund educational expenses for beneficiaries aged 18 or younger. The age restriction can be waived off for...

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What Can You Do With Your 401(K) After You Leave Your Job?

What Can You Do With Your 401(K) After You Leave Your Job?

If you are considering quitting or changing jobs, you’ll need to think about what you will do with your old 401(k) plan. Below are some options but these options depend upon the plan documents of your current plan and any new employer plan you may join. In this...

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What is Saver’s Credit?

What is Saver’s Credit?

Saver's credit is a non-refundable tax credit that allows eligible taxpayers who are saving for retirement to enjoy tax breaks apart from the tax deductions they may receive from contributions to their employer-sponsored plans or individual retirement accounts (IRAs)....

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401(k) Hardship Withdrawal: Emergency Access to Your 401(k)

401(k) Hardship Withdrawal: Emergency Access to Your 401(k)

If you are short on funds to deal with an emergency, you may have considered withdrawing from your 401(k). You must know that you cannot simply make a withdrawal from your 401(k) any time you'd like. A 401(k) retirement account is typically designed to allow you to...

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Backdoor Roth IRA: What it is and How to Set One Up?

Backdoor Roth IRA: What it is and How to Set One Up?

If you want the take advantage of current low-income tax rates and set yourself up for tax-free income in retirement, Roth IRA is the best option. However, Roth IRA is unfortunately not an option for people with high incomes. But there is a way high-income earners can...

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What Happens if you Contribute Too Much to a 401(k)

What Happens if you Contribute Too Much to a 401(k)

Maxing out your 401(k) contributions is a good thing. It means that you are making the most out of your employer-sponsored retirement account to enjoy worry-free golden years. Over contributing to your 401(k) isn't allowed, but it's easy to do it by mistake. If you...

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