Customized retirement planning strategies for business owners and individuals. Learn about 401(k)s, SEP IRAs, Defined Benefit Plans, and their tax advantages.
How does a Pooled Employer Plan (PEP) compare to a state-mandated auto-IRA? A Pooled Employer Plan is a multi-employer 401(k) structure that satisfies state retirement mandates while offering meaningful advantages over state-sponsored auto-IRAs: $24,500 contribution limit (vs. $7,500 IRA), employer matching, institutional-quality investments, and fiduciary shift to the Pooled Plan Provider. For most small employers,…
What does IRS Notice 2026-34 require for defined benefit pre-approved plan Cycle 4 submissions? Notice 2026-34 publishes the 2026 Cumulative List of plan qualification changes that providers must reflect in defined benefit qualified pre-approved plan documents submitted for the fourth remedial amendment cycle (Cycle 4) — submission window August 1, 2026 to July 31, 2027…
How much does a 401(k) really cost a small business? With the small business 401k tax credit under SECURE 2.0, employers with 50 or fewer workers can claim up to $5,000 per year in startup cost credits for three years — effectively making retirement plans nearly free to launch. If you own a small business…
Do high-income employees have to make Roth catch-up contributions in 2026? Yes — if your prior-year FICA wages from your employer exceeded $150,000, the SECURE 2.0 Act now requires that your Roth catchup contributions 2026 be designated as Roth (after-tax) contributions, not pre-tax. Here is everything you need to know before the January 1, 2026…
Should California businesses choose CalSavers or a 401(k)? If you have 5 or more employees in California and don’t already offer a qualified retirement plan, you must participate. The CalSavers vs 401k decision comes down to this: CalSavers meets the legal requirement with minimal effort, but a 401(k) delivers dramatically more value for your employees…
How to Open a Trump Account: The Complete 2026 Guide. Discover exactly how to navigate the new IRS Form 4547 and secure the $1,000 pilot program contribution for your child’s future. Hey everyone! If you’ve been following the news lately, you know there’s been a massive buzz around the new “One, Big, Beautiful…
How to Finally Finish Your Estate Planning 📝 Stop procrastinating on your legal documents! Discover practical, stress-free strategies to cross estate planning off your to-do list and protect your loved ones today. Let’s be real for a second: nobody actually enjoys thinking about their own mortality. It’s exactly why so many of us…
2026 Tax Season is Here, and It Brings Great News for Seniors! Discover the new enhanced deductions, EITC updates, and free resources available to help you navigate your 2026 tax return smoothly and keep more money in your pocket. Let’s be real for a second—doing taxes is rarely anyone’s favorite activity. If you’re…
New IRS Notice 2026-13: Your Complete Guide to Retirement Rollovers! The IRS just updated the rules for moving your retirement savings. Whether you’re switching jobs or facing an emergency, these “Safe Harbor” changes affect your taxes and your future. Let’s dive into what’s new! Have you ever felt that mixture of excitement and pure…
How will the Social Security Fairness Act change your tax return this year? If you’re one of the 2.8 million beneficiaries receiving a public pension, you might be looking at a much larger monthly check—and a significant retroactive payment. Learn how to navigate these changes and maximize your new tax deductions! Let’s be real…
