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…
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…
Worried your retirement savings will hurt your child’s financial aid? You’re not alone. We break down the FAFSA rules, the 529 plan dilemma, and the new game-changing law that could be the solution you’ve been looking for. Let’s talk about something that causes a *ton* of stress for parents. It’s that constant financial tug…
Must High-Earners Make Roth Catch-Up Contributions? A key change from the SECURE 2.0 Act is coming. If you earn over $145,000, find out how your retirement catch-up contributions will be affected and what you need to do to prepare. Are you diligently saving for retirement and looking forward to making those extra “catch-up” contributions…
