Retirement Plans

A rollover IRA is a special type of IRA that is used to receive distributions from an employer sponsored qualified plan such as the 401(k) or profit sharing plans

A Roth 401k allows employees to put after tax dollars into a retirements savings account and enjoy tax free distributions at retirement

The Roth IRA allows qualified individuals to make after-tax contributions, yearly, into an investment account which will grow at a tax free rate. At retirement, individuals will be able to withdraw funds at a tax free rate.
Simplified employee pension (SEP) and savings incentive match plan for employees (SIMPLE) retirement plans offer outstanding convenience for administrators and superior benefits to employees. SEP and SIMPLE plans are intended to allow small businesses to provide high-quality retirement plans as part of their overall employee benefit package; this can attract new employees and ensure higher productivity overall.
Simple IRAs, or also referred to as simplified incentive match plan, are designed to make it easier for small businesses of less than 100 people to offer retirement plan benefits. Similar to a 401(k), the SIMPLE IRA allows pre-tax deductions to be made from employee accounts.
A SEP, or simplified employee pension, is a special form of an IRA which is designed for small businesses to allow a high rate of tax deferred savings.

Substantially equal periodic payments allows the participant the opportunity to withdraw funds from an IRA or other qualified retirement plan prior to retirement without the associated taxes or penalties. SEPP is a longer term solution to financial hardships

Taking a loan from a qualified plan such as a 401(k) or employee stock ownership plan is allowed; however, some plans may not allow for it. If a plan would provide for the ability to take loans, there is a maximum amount which is the greater of $10,000 or 50% of your vested balance or $50,000, whichever is less.
A target benefit plan is a special type of money purchase pension plan which provides unguaranteed retirement benefits to employees due to the fact that retirement benefits are directly correlated to investment gains or losses.
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