Category Archives: 401(k) Plans

Carve Out Your 401(k) Company Stock for Favorable NUA Tax Treatment

Carve Out Your 401(k) Company Stock for Favorable NUA Tax Treatment

This article was originally published in, and has been reprinted with permission from, Retirement Daily. Distributions from a traditional 401(k) plan are generally taxable as ordinary income at your regular income tax rates. This includes pre-tax contributions plus earnings. If your traditional 401(k) plan is rolled over to a traditional IRA, the same rule applies…

Winning at the 401(k) Game

Winning at the 401(k) Game

Winning at the 401(k) game requires strategic play focused on the objective of maximizing lifetime after-tax distributions.

Avoid Unintended Consequences for You and Your Family

Avoid Unintended Consequences for You and Your Family

Erroneous or outdated beneficiary designations can result in distribution of retirement plan assets, life insurance policies, and annuity contracts to unintended beneficiaries, unfavorable income tax consequences, and expensive and protracted litigation in some cases.

Roth Solo 401(k) Makes More Sense Than Ever

Roth Solo 401(k) Makes More Sense Than Ever

Lower tax rates under the new income tax law, combined with the likelihood of higher tax rates in the future, support a Roth solo 401(k) contribution strategy.

A 401(k) Plan Isn’t a Pension Plan

A 401(k) Plan Isn’t a Pension Plan

Although 401(k) and pension plans are retirement plans, only a pension plan is designed to provide a known monthly income stream which is generally payable for life.

6 Deficiencies of 401(k) Plans

6 Deficiencies of 401(k) Plans

There are six deficiencies of 401(k) plans compared to defined benefit pension plans that transfer the retirement accumulation and retirement income planning responsibilities from employers to employees.

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