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Best Retirement Plans for the Self-Employed
For all the self-employed people out there, I'm with you. How can you save, plan for retirement and invest when you don't have the traditional corporate business structure? Here's my best plan of attack for making the best use of every dime.
Просмотров: 3078 Wealth Hacker - Jeff Rose
Retirement Planning For The Self-Employed !
Recent studies show that most self-employed Americans are saving little, if anything, for retirement. Why? Excuses include a lack of steady income, paying off major debt, healthcare, education, and business expenses. But when the future depends on you, making an investment in yourself is worth it. The retirement saving options most preferred by self-employed workers are solo 401(k)s, SEP IRAs and SIMPLE IRAs. The solo or individual 401(k) is like a traditional 401(k), but it’s for sole business proprietors with no employees other than a spouse who works for the business. It permits contributions as both the employee and employer, which means higher limits than many savings plans. In 2014, the employer could save $17,500; or $23,000 if over 50 years old, plus an additional 25% of net income up to a maximum of $52,000; or $57,500 if over 50. A simplified employee pension, or SEP IRA, suits individuals and businesses with employees. A SEP IRA can be opened at just about any bank or brokerage. The business owner can contribute up to 25% of each employee’s income, up to $52,000. When making a contribution, the owner must contribute for every employee. Since employees do not make contributions, the plan is most popular with one-person businesses. Savings incentive match plan for employees, or SIMPLE IRAs, are like SEP IRAs, but the employees can make contributions. The employer must contribute dollar-for-dollar up to 3% of each eligible employee’s contribution, and 2% for those who don’t contribute. In 2014, contribution limits of $12,000 -- $14,500 if over 50 -- and the matching requirement made SIMPLEs best for those with no employees and incomes of less than $45,000. Read more: Retirement Planning For The Self-Employed - Video | Investopedia http://www.investopedia.com/video/play/retirement-planning-selfemployed/#ixzz3tNDhtOTG Follow us: Investopedia on Facebook
Просмотров: 6617 Investopedia
SEP IRA Explained for Self Employed.
The SEP IRA is like the third child in the family. It tends to get overlooked and never really considered by the self employed investors. There are huge advantages to retirement investing with a SEP IRA and today I'll cover a few of them. We are a wealth management firm that specializes in improving on the traditional buy and hold approach. To use a simple analogy, we do this by treating ones retirement investments as if they were real estate. For more information call us at 727.492.0314 or visit www.JazzWealth.com Facebook https://www.facebook.com/JazzWealth/ Investment related questions 📧 Dustin@JazzWealth.com Business Affairs 📧Carolyn@JazzWealth.com
Просмотров: 5756 Jazz Wealth Managers
Self Employed Retirement Plans - Best Self Employed Retirement Plans
What are self employed retirement plans – What is a self employed retirement plan? 1-800-566-1002 http://www.RetireSharp.com. What are the best types of self employed retirement plans and learn how you can avoid the most common mistakes that individuals have made when looking to set up a self employed retirement plan. Benefits You Can Avail From Self Employed Retirement Plans Over the past few years, many companies all over the world have shed millions of jobs, affecting the economy. Others opted for self employment since the competition for landing a job has become tougher. In addition to that, self employed retirement plans has also started to become a trend for many individuals. One of the benefits of self employment is that you are your own boss and there are no subordinates to pull you down. You earn exactly what you worked for without the hassle of being under someone else. One of the most common self employed retirement plans include solo 401k plans. It is the newest among the most commonly used retirement funds. If you are under the age of 50, the contribution limit is $16,500 and $22,000 for those aged 50 or over. The tax benefits are better compared to SEP because the contributions that you will make are not restricted to a certain percentage of your pay. Another great deal with 401(k) plans is that you can contribute 20% of your earnings as an additional contribution. Another option for retirement funds is the simple IRA retirement plan. IRA stands for individual retirement account. $5,000 is the maximum contribution for those aged under 50, and $6,000 for those aged 50 and over. It is best that neither you nor your spouse (if you have one) is covered by another retirement fund such as 401(k) to avoid limitations in tax deductions and other conflicting issues. SEP IRA plans or simplified employee pension IRA is an upgraded version of the simple IRA, where you can contribute from 20 percent of your net earnings up to a maximum of $49,000. Nowadays, the SEP IRA is the most common type of retirement plan being used by self employed individuals. This type of plan does not require a mandatory contribution. For one year, you may choose to contribute the full amount or half or any desired amount for the succeeding year. One of the benefits of using the SEP IRA is that it is very easy to create an account and maintain it. The deadline for funding your account is the same as the deadline for filing your income tax returns which makes it convenient for all users. A disadvantage for this though is that loans are not permitted. With the Roth IRA retirement plan, there is no income tax deduction and the growth of your investment is tax free. It is the exact opposite of a traditional IRA plan where contributions have an income tax deduction and the money you take out in retirement is taxed. Other self employed retirement plans that are more expensive and difficult to maintain include the Defined benefit plan. The annual funding requirements are very rigid even though loans are permitted in this type of retirement fund. The annual contributions for this type of account can reach up to $100,000 or more, depending on the age and the average income of the owner. For more information about the various retirement plans for self employed individuals, there are many websites that let you use free retirement planning tools to get you started. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: self employed retirement plans annuities Self employed retirement plans for income Self employed retirement plans explained Self employed retirement plan reviews Self employed retirement plans review What is the best fixed indexed annuity for self employed retirement plans vs the best tax free income self employed retirement plan https://www.youtube.com/watch?v=URjGZoGKSwY
Просмотров: 4824 retiresharp
15 Tips For Financial Planning For Self Employed
1. Make a budget. 2. Build an emergency fund. 3. Don’t underestimate your expenses.  4. Manage your income. Put the extra amount into a savings fund to supplement less lucrative months. 5. Use your pension allowances. Payments to pensions attract tax relief and are therefore highly efficient and will reduce your overall tax bill. 6. Consult an accountant and financial planner. 7. Avoid relying on credit cards. 8. Make sure you regularly review what investments you have. Things rarely stay the same. 9. Pay your income tax in installments. 10. Set aside funds for sales tax payments.  11. Keep accurate records. 12. Plan your retirement. 13. Separate your business finances from your personal finances. 14. Consider using your ISA allowance. ISAs do not attract tax relief on contributions but they do offer tax efficient growth and tax free withdrawals. 15. Take out sufficient insurance.
Просмотров: 59 Patel Vidhu
Am I Employed or Self Employed?
An HMRC video to help you decide if you are employed or self employed for tax purposes. Find the online 'check employment status for tax' service here: https://www.gov.uk/guidance/check-employment-status-for-tax Information about National Minimum Wage and Living Wage: https://www.gov.uk/national-minimum-wage HMRC is the UK’s tax, payments and customs authority. We collect the money that pays for the UK’s public services and help families and individuals with targeted financial support. Follow HMRC on social media: • Twitter: https://twitter.com/HMRCgovuk/ • Facebook: https://www.facebook.com/HMRC/ • LinkedIn: https://www.linkedin.com/company/hm-revenue-&-customs For help with general queries relating to any of HMRC’s products and services, talk to us on: • Twitter: https://twitter.com/HMRCcustomers/ • Facebook: https://www.facebook.com/HMRC/ Sign up for your Personal Tax Account. Join the millions of customers already using their online account to check and update their records and see their state pension details. It takes just 5 minutes at https://www.gov.uk/personal-tax-account
Просмотров: 4944 HMRCgovuk
Self Employed Pensions - The Buzz
Our BeeKeeper Priyal chats about getting a pension if you're self employed. What are your options? What are the benefits of a pension if you're self employed? Got a question we didn't cover? Leave your Qs in the comments below and we'll get back to you! Sign up today: https://pensionbee.com (capital at risk) * PensionBee makes it easy to stay on top of your pension and take back control of your personal finances. Check out our plans and learn more about what we do at: https://pensionbee.com (capital at risk) Read our blog for money saving tips, pensions info, and more: https://pensionbee.com/blog Please like, share and subscribe if you like what we're doing! Share your thoughts in the comments box below. * Video and editing: Zainabb Hull
Просмотров: 1617 PensionBee
Simplified Employee Pension (SEP)
Advantages of SEPs and how they work In addition to Keogh plans, there's another, even simpler pension plan for sole proprietors and small corporations called the Simplified Employee Pension or SEP. A SEP account is a cross between a 401(k) account and an IRA. With a SEP account, you open an IRA account and then your employer deposits money into the account on your behalf. After the money's deposited, it's your money, and you can treat it as you would any IRA money. The employer gets to deduct the contribution as a wage expense, and the contribution never shows up on your W-2 as taxable income so you both win. If you're self-employed, you take your SEP contribution as an adjustment to your income on the front page of your 1040, like you would do if you had an IRA or a Keogh plan. One advantage that a SEP offers relative to a Keogh plan is its simplicity of administration. There are fewer forms because the employer is no longer responsible for management of the money after it's been deposited in the employee's account. Disadvantages of SEPs There are, however, some drawbacks to using a SEP relative to the more cumbersome Keogh account. First, you can't save as much using a SEP. With a SEP, a self-employed person can put away up to 13 percent of their net income for themselves. Employers can also contribute up to 15 percent of the salary of each employee. The employer must contribute the same percentage to all employees who have worked for him for three years or more, and all contributions are immediately vested with the employee. This is stricter than the 401(k) account which allows vesting over five to seven years. A SEP is quite flexible, however. If things are good one year, you can contribute 10 percent or more to all eligible employees. If you've had a bad year, you can skip contributions entirely. SIMPLE Plans Just as we were going to the studio to record this tape, Congress passed a law which allows a new form of retirement accounts for small businesses called the Savings Incentive Matching Plan for Employees, otherwise known as SIMPLE. Believe me folks, I didn't come up with this name. The politicians in Washington did. Anyway, a SIMPLE plan allows workers to save up to $6,000 of their own money into an IRA. Employers must provide a flat match of 2 or 3 percent of each worker's salary. Because these are new plans, we don't have much information on them, but if you're in a small business, you should ask your mutual fund or bank for information on SIMPLE plans. Self-employeds should set up Keoghs or SEPs If you're self-employed you should seriously consider setting up a SEP or Keogh plan for yourself. Most of the Keogh plans are easy to set up, and SEPs are even easier. Both Keoghs and SEPs allow you to save much more money than an IRA. SEPs and Keoghs can be set up easily through most mutual funds or banks. These institutions have plan documents that usually already have received approval from the IRS. To set up your own retirement plan just fill out the paperwork and send in a check. If you work for a small business that currently doesn't offer a retirement plan, you should ask your employer about setting up a SEP or a Keogh plan. You can do this in a win-win manner. Instead of haggling with your boss over a 5 percent raise, cut a deal with him. Tell him you'll take a 3 percent raise if he sets up a retirement plan. Because of the tax savings possible through retirement plans, both you and your boss could come out ahead on an after-tax basis. Copyright 1997 by David Luhman http://moneyhop.com/scripts/retirement-planning/100-simplified-employee-pension-sep
Просмотров: 4370 MoneyHop.com
Defined Benefit Plans for Small Business Owners
A Tax Strategy for Independent Professionals & Consultants, Physicians, Small Business Owners and Individuals with Self-Employment Income
Просмотров: 294 D'Arcy Wealth
How much can a self employed individual contribute to a retirement plan SEP IRA
please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel How much can I contribute to my SEP? The contributions you make to each employee’s SEP-IRA each year cannot exceed the lesser of: 25% of compensation, or $55,000 for 2018 How much can I contribute if I’m self-employed? If I participate in a SEP plan, can I also make tax-deductible traditional IRA contributions to my SEP-IRA? If I participate in a SEP plan, can I contribute to a Roth IRA in addition to receiving contributions under the SEP plan? Can I make catch-up contributions to my SEP? Must I contribute to the SEP every year? Do I have to contribute for a participant who is no longer employed on the last day of the year? Can I contribute to the SEP-IRA of a participant over age 70 ½? When must I deposit the contributions into the SEP-IRAs? How much of the SEP contributions are deductible? Are employer contributions taxable to employees? What are the consequences to employees if I make excess contributions? If my SEP plan fails to meet the SEP requirements, are the tax benefits for me and my employees lost?
Просмотров: 1998 Let's Talk Money Channel
Free Solo 401k plan for self employed or 1099 contractors
visit http://sanjivcpa.com to learn more about 401k plan and tax deductions. In this video, we cover how you can open up a FREE 401k plan and how you save up for your retirement while reducing taxes for this year.
Просмотров: 5706 Sanjiv Gupta
self employed tips to boost your pension
It can be tricky when your income is irregular or you anticipate more pressing business needs in future. But a few smart moves can set you right fairly rapidly. Here, we look at six ideas to help self-employed workers boost their funds. Use the tax relief allowance: Some people those who have sold a new product, painting or received an advance, for example may only in certain years acquire money to pay into a pension. However, you can carry over unused allowances from the previous three years, provided you were a member of a pension scheme during that time. Claim back missed relief: the rules allow you to claim tax relief for the previous three years. In practice, this means the deadline is four years after the end of the tax year for which you are claiming. Employ your spouse If your husband or wife is on the payroll, make sure you’ve got a pension in place. You can pay up to 100pc of their salary into the scheme, adjusting your own earnings to compensate.Put your business in your pension Savers are blocked from putting residential property in a pension, but investing in commercial buildings is allowed. You can buy the premises where your business operates through a pension scheme to reduce your tax bills. For example, a veterinary surgeon might put their surgery in a pension. Recycle money after 55 Once you reach age 55, try pension “recycling” to boost your fund. Under this ploy you withdraw money from your fund and pay it back in to generate extra tax relief. It’s easier for self-employed people with more control over their incomes than company staff. Use a cheap plan designed for companies Companies such as Hargreaves Lansdown, Bestinvest and AJ Bell provide low-cost pensions for people who just want to put money in the stock market, rather than in commercial property or other esoteric investments. A little-known trick to cut costs to the bone is using Nest, the government-backed pension provider, which is open to self-employed people and charges only 0.3pc a year.
Просмотров: 204 dailylifeshows
Pension options for the Self-Employed
If you have recently gone Self-Employed, congratulations! The downside is you have now lost pension contributions from an employer. So your retirement planning is down to you. This video explains your options and why the time to start is now even if it's small savings to begin with.
Просмотров: 17 RTS Financial Planning
Self-Directed Solo 401k Plan for Self-Employed on TV
http://www.sensefinancial.com/ President of Sense Financial Services LLC was invited to discuss retirement solutions they provide to small business owners and self-employed individuals, of which self-directed Solo 401k plan with checkbook control offers the most benefits. Solo 401k is the most cost-effective and flexible retirement plan that is available in the market. Some of the features of the plan include checkbook control, participant loan feature, Roth sub-account, high contribution limits and exempt from UDTI tax on leveraged real estate. To learn more please visit our website or contact (949) 228-9394
Просмотров: 3476 SenseFinancial.com
Pensions tips for sole traders + self employed
Pensions made easy. Simple tips on pensions for sole traders / self employed. Leading life & business coach Rasheed Ogunlaru author of Soul Trader interviews pensions specialist / financial adviser Paul Littlewood of Just Us Financial Services http://www.soul-trader.biz http://www http://www.jufs.co.uk http://www.rasaru.com
Просмотров: 791 Soul Trader
The Best Retirement Plan Options for the Self-Employed
Mike Bernier, CFP®, AIF® shares the best retirement plan options for the self-employed. http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Просмотров: 2411 Pure Financial Advisors, Inc.
SOLO 401k Plan For The Self Employed And Updates for 2009
Nabers Group, http://www.Nabers.com, reminds self employed small business owners that the deadline for setting up a SOLO 401k for 2009 is fast approaching. Self employed business owners interested in setting up a SOLO 401k have less than 45 days left in 2009 to set up an account if they plan on benefiting from the tax breaks allotted to them under the SOLO 401k plan. Watch this video to learn more about the benefits of setting up a SOLO 401k and visit the Nabers' blog at http://JeffNabers.com Also, you can call 877-903-2220 if you would like to speak to a SOLO 401k specialist now.
Просмотров: 14556 Jeff Nabers
Self-Employed Benefits
Eligible self-employed people can access the following benefits: Contributory State Pension Contributory Widow’s, Widower’s, or Surviving Civil Partner’s Pension Contributory Guardian’s Pension Maternity Benefit Adoptive Benefit Paternity Benefit Treatment Benefit Invalidity Pension Means-tested Jobseeker’s allowance Earned income tax credit Means-tested farm-assist payment If you are starting up or growing your business see how your local enterprise office can help. Self-employed also benefit from recent reductions to USC and income tax
Просмотров: 18940 MerrionStreetNews
Self employed and pension saving
In this NEST Insight video, we speak to people who are self-employed to find out more about their working lives, their aspirations for retirement and the challenges they face when it comes to pension saving.
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Self-Directed Solo 401k Pension Plan
Truly self-directed Solo 401k plan is the most powerful retirement savings vehicle allowing plan participants to shelter from taxes significant portions of their self-employed earnings. Not only that is gives you the power to invest into virtually anything: real estate, private lending, tax liens and tax deeds, private business, precious metals, trust deeds, and more... The participant loan loan feature gives you the ability to access your retirement funds tax-free and penalties-free even before you retire! And because the rules enable plan holders to buy investment property with use of leverage not being subject to Unrelated Business Income Tax (UBIT) it make it superior to self-directed IRA. Custodian is not required with truly self-directed Solo 401k, plan assets are held in a trust and you have total and direct control over it as plan administrator. To learn more about the Solo 401k please visit our website and request complimentary consultation with one of our retirement account experts: http://www.sensefinancial.com/
Просмотров: 10284 SenseFinancial.com
Defined Benefit Pension: The Finance of Retirement and Pensions PREVIEW
Go to http://goo.gl/9RRav8 to see Josh Rauh's new self-paced online course from the Stanford Graduate School of Business, Stocks and Bonds: Risk and Returns with Professor Josh Rauh. Instructional videos and exercises free online until April 2015.
Просмотров: 23145 Stanford Graduate School of Business
Daily Juice - Retirement plans for business owners, self employed and consultants - 11/08/17
End of Year Planning Todays's topic: Retirement Savings Plans for people who are Self Employed 1. SEP, Simplified Employee Pension 2. Simple IRA 3. Solo 401K
Просмотров: 16 MainStreet Financial Planning, Inc
SEP IRA Vs SIMPLE IRA : Small Business Retirement Plans
SEP IRA Vs SIMPLE IRA : Small Business Retirement Plans. The math for employees and owners of the SEP IRA and SIMPLE IRA are different so make sure to check the math before you decide. In this video, I go over the highlights of the plans to help you make a decision. SIMPLE IRA: 2% Non-Elective Match means every employee gets a contribution from the employer even if they don't contribute anything. 3% Elective Match is to encourage employees to save too. If they don't want to save then the employer doesn't have to match. It's dollar for dollar. So if the employEE contributes 1% of their compensation to their SIMPLE Plan then the EMPLOYER only has to match 1%. SEP IRA is ALL employer funded. Simplified Employee Pension IRA Savings Incentive Match Plan for Employees IRA SEP IRA Calculation for the small business owner https://www.irs.gov/retirement-plans/self-employed-individuals-calculating-your-own-retirement-plan-contribution-and-deduction 💸 FOR MORE FINANCIAL PLANNING & ASSET MANAGEMENT 💸 Try out our financial planning tool today. http://bit.ly/financial-planning-tool About Travis Sickle: https://www.sicklehunter.com/travis-t... twitter: @travissickle Instagram: https://www.instagram.com/travistsickle/ Company Website: https://www.sicklehunter.com twitter: @sicklehunterfa facebook: https://www.facebook.com/SickleHunterFA/ Travis Sickle CERTIFIED FINANCIAL PLANNER™ Sickle Hunter Financial Advisors 620 E Twiggs Street Suite 304 Tampa, FL 33609 TRAVIS T SICKLE, CFP®, AAMS®, CRPC®, RICP®, AIF® CERTIFIED FINANCIAL PLANNER™ Financial Advisor Tampa, FL
Просмотров: 582 Sickle Hunter Financial Advisors
Selecting Small Business Retirement Plans - Self-employed 401(k)| Fidelity Investments
As a small business owner, you know it’s important to have a retirement plan for yourself, and for any employees you have or may hire. And as you consider which plan is right for your company, it’s important to think carefully about your priorities and goals. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 666593.6.0
Просмотров: 2085 Fidelity Investments
Defined Benefit Plan - Defined Benefit Plans Explained
What are defined benefit plans – What is a defined benefit plan? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of defined benefit plans and learn how you can avoid the most common mistakes that individuals have made when looking to purchase a personal define benefit plan for retirement. Defined Benefit Plan on Retirement Finances There are many different retirement insurance plans available for retirees. Some are affiliated with your company; others are available through the federal government or private companies. Defined benefit plans are a type of pension plan that will benefit you throughout your retirement. The defined benefit pension plan was the most common type of pension plan before 401k plans took over (which is a form of a defined contribution plan). Still, labor unions tend to still use this plan, as do self-employed individuals or business owners with a small amount of employees. These pension plans need a substantial amount of money being pumped into the investments, so more affluent workers are more likely to look into this as the best retirement insurance plan. What is a defined benefit plan? A defined benefit plan is an employer-sponsored retirement income plan that promises a specified monthly benefit at retirement. The promised amount could be a defined amount, say $200/month. However, it is more commonly based on a formula using factors such as salary history, your age, duration of employment, etc. The company controls all of the investment risk and portfolio management and is protected, with certain limitations, by federal insurance. According to the IRS website, a defined benefit plan is a valuable and smart option to consider when making the choice between retirement plans. Some of the reasons are These plans are contributed only by your employer, but sometimes have stipulations that require contributions to be made by the employee as well. Pros and Cons of Defined Benefit Plans As in any retirement insurance plan, there are pros and cons to defined benefit plans based on different factors: income, age, how long you've been working with a company. Some pros of this plan are Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: Defined benefit plan annuities Defined benefit plan income Defined benefit plan explained Defined benefit plan reviews Defined benefit plan review What is the best fixed indexed Defined benefit plan vs the top immediate income Defined benefit plan https://www.youtube.com/watch?v=deRxETzmpdA
Просмотров: 3465 retiresharp
Solo/Self-Employed 401k! A Dream Retirement Plan! (Save $60k/year!)
Email me today for more information or to set up your plan: brad@fortunefinancialgroup.com Blog Post - http://www.lifeplanningtoday.com/selfemployed-solo-401k-a-dream/ The dream retirement plan (Solo 401k) for self-employed people! Solo 401(k)s are a super flexible retirement plan that lets you maximize your contributions with little or no plan costs.By definition you are both the employer and the employee. Therefore, you can contribute to the plan in two ways. Learn about best ways to invest money in 2018. And don’t forget to visit and learn more here: http://www.lifeplanningtoday.com Don’t Forget To Subscribe - https://www.youtube.com/channel/UCGXJ4H8eyPZyK6wHTk4CAAg
Просмотров: 5331 Brad Rosley
Solo 401(k) Plans: Big Benefits for the Self-Employed
Designed specifically for the self-employed, Solo 401(k)s are a great fit for freelancers, sole-proprietors and consultants. ShareBuilder 401k President Stuart Robertson explains why. For more tips on 401(k) plans, please visit "The Straight Scoop on 401(k)s" playlist at www.youtube.com/sharebuilder401k. ShareBuilder 401k is a leading provider of retirement plans designed specifically for small and mid-size businesses. By automatically keeping fees low, more of our customers' money stays invested to help build a bigger nest egg. ShareBuilder 401k brings together investment expertise, leading online and offline technologies with a low-cost, index-based approach to investing using all ETFs and a money market fund. Equally important, ShareBuilder 401k plans are fully supported by the ShareBuilder Investment Committee, licensed 401(k) Consultants and Customer Success Managers to help serve employers and participants at the highest level. This is intended only as general information for your convenience. You should consult your tax adviser regarding specific tax strategies. Advisory services are provided by Capital One Advisors, LLC, an SEC registered investment advisor and a subsidiary of Capital One Financial Corporation. ShareBuilder 401k is the marketing name for Capital One Advisors, LLC. Securities and services are: Not FDIC insured · Not bank guaranteed · May lose value · Not a deposit · Not insured by any Federal Government Agency
Просмотров: 5602 ShareBuilder401k
How to sort your pension when you're self-employed - Pensions 101
Self-employed and want to start saving for your future? We break down your pension options to help you get started. For more information on self-employed pension options, check out our Pensions Explained Centre: https://www.pensionbee.com/pensions-explained/frequently-asked-questions/self-employed-pensions For more on self-employed pensions, check out The Buzz: https://www.youtube.com/watch?v=5XKvtlAhlpk Sign up today: https://pensionbee.com (capital at risk) * Please like, share and subscribe if you like what we're doing! Share your thoughts in the comments box below. PensionBee makes it easy to stay on top of your pension and take back control of your personal finances. Check out our plans and learn more about what we do at: https://pensionbee.com (capital at risk) Read our blog for money saving tips, pensions info, and more: https://pensionbee.com/blog * Video and editing: Zainabb Hull
Просмотров: 3124 PensionBee
Frank Kapitza - Self Employment Tax, Self Employment Pension, LLC & S-Corp
Frank Kapitza & Associates CPA MS offers a variety of tax services in the Northern New Jersey area. Our goal is to provide tax preparation and planning solutions to match the particular needs of each client whether they’re a small business owner or individual taxpayer. We can recommend tax saving strategies, prepare your tax return and become your personal tax advisor. Request a free consultation to learn more about how our CPA firm can help you save money on taxes. We’ll take the time to answer your questions and clearly explain complicated tax matters. Call either 973-276-0650 (Fairfield, NJ office) or 973-265-1700 (Parsippany, NJ office) now to get started. Business Tax Preparation We understand how tax laws apply to businesses in different industries. We’ll determine what kinds of tax breaks you qualify for and which deductions can be taken for your type of business. Income Tax Preparation for Individuals There’s no substitute for working with a qualified professional when it comes to tax preparation. When you try to do your taxes yourself you risk overpaying. Instead, turn to us to get your tax return prepared accurately by an experienced tax accountant. Tax Planning Services We implement year-round planning to reduce tax liabilities for businesses and individuals. Our tax planning strategies are customized to fit each client’s unique situation. We can also help you prepare for a secure financial future with estate planning, succession planning and retirement planning services. Expert Witness on Tax Issues Our vast knowledge of tax law enables us to provide expert witness testimony in cases involving financial discrepancies. We can also act as a consultant to help you prepare for trial.
Просмотров: 1288 Clean Slate Credit Solutions
Self Employed Retirement Planning Estimator
http://retirementplansherpa.com offers a FREE retirement planning estimator. Here's how to use it!
Просмотров: 382 Tom Dunn
Best Retirement Plans for Small Business Owners (GoodFinancialCents.com)
http://www.goodfinancialcents.com/best-retirement-plan-for-small-businesses/ Are you a business owner that is finally starting to see some profits? You have been slugging away for several years and now you are finally in the black and you want to start thinking about retirement. You know that you need to save, but as a business owner you have a plethora of different retirement plan options that as an individual you didn't. If you are confused and bewildered and not sure what direction to go, I completely understand. I was in the exact same situation as you. I was a W2 employee, and then when I became a small business owner I now had many different options that I could choose from and initially it was overwhelming. It was easier doing it for the client, but now that I was actually on the business owner's side of things, the 1099 independent contractor side of things, I now wanted to make sure that I was doing the best retirement plan for me. If you are looking to see what retirement plan is best for you, here are a few options to consider: 1. A traditional or Roth IRA. Now I am sure you are probably wondering, "Well Jeff, I could do that when I was an individual. What is the benefit for me doing it as a business owner?" Well here's the thing; the beauty of doing a traditional or Roth IRA, if you are not putting money in those plans at all, and maybe you are profitable but you are not as profitable as you would like to be, under the age of 50 and under you can still put in $5,000 on either the traditional or Roth IRA. At least that is a good starting point. Now, if you can put in more than that 5,000 then we'll start looking at the other options coming up. 2. A simple IRA. The name is a little bit misleading because to me it is not quite that simple. Here is the general gist: You're able to put in up to $11,500 per year into the simple IRA. Over the age of 50 is allowed a $2,500 catch up. But if you have employees, here is where it gets a little bit trickier. To make it simple, just know that you're going to have to put in about 3% of your employees' wages as an employer contribution. That is how much, as a business owner, you're going to be out for each employee. There are certain rules that say you can dip below that 3% over a 2-out-of-the-5-year period, but I don't want to muddy the waters too much. Just know that for the most part you're going to have to put in about 3% of your employees' salary to be able to contribute the 3% for yourself as well. Now that might sound a little bit confusing and it kind of is, but if you go to the blog and do a Google search for "simple IRA rules", you'll find out more about the simple IRA and see if that applies to you.
Просмотров: 6020 Wealth Hacker - Jeff Rose
Martin Walcoe: Retirement Plans for Self Employed People
Martin Walcoe, Executive Vice President of David Lerner Associates, discusses why a retirement plan is essential for self-employed people.
Просмотров: 312 David Lerner Associates, Inc.
Martin's Guide to Topping Up the Pension Pot | This Morning
Have you turned down a pay rise without realising it? Millions have done or risk doing just that. According to our Money Saving Expert Martin Lewis, it happens when your employer 'auto-enrolls' you into a pension scheme but you decide to opt out - in most cases a huge mistake.
Просмотров: 26628 This Morning
SELF EMPLOYED RETIREMENT PLANS - Will blow your socks off!
What is the best self employed retirement plan? Look no further. medwining@gmail.com
Просмотров: 265 John Medwin
Retirement Plans For The Self Employed
Self-employed individuals have several retirement plan options including a SEP or( Self Employed Pensions) IRA, 401k, IRA, or Roth IRA. Talk with your tax advisor to determine which option is best for you.
Просмотров: 29 RobertHallTaxes
7 Benefits of Individual 401K : SOLO 401K For Self Employed Business Owners
http://www.SunwestTrust.com -- 800-642-7167. If you are a self-employed business owner, a SOLO 401k may be just the right retirement option for you. Call 800-642-7167 to learn more to see whether this is the right option for you. The i401K or Individual K gives self-employed business owners the same great retirement benefits that large corporations have enjoyed for years. The i401K is significantly less complex than a typical 401K or other profit sharing plans and in many cases, it allows for much greater tax-sheltered contributions than other traditional types of small business retirement plans. The video provides basic information on individual 401k. Sunwest Trust Offers The I401k for self-employed business owners or self employed individuals who have no other full time employees other than their spouse are eligible for this plan and give them more choices in their retirement investments. For more information on Sunwest Trust's i401k services visit http://www.sunwesttrust.com/i401k-services The i401K or Individual K gives self-employed business owners the a retirement benefits that large corporations. The i401K is less complex than a typical 401K or other profit sharing plans . It allows for much greater tax-sheltered contributions than other traditional types of small business retirement plans. Real estate and precious metals are also viable investment types for this 401k plan. These are some of the advantages to having an I401k Plan: 1. Greater tax-shelter 2. Contributions can be made as tax defferals 3. Maximum on contributions are higher 4. Roth Contributions 5. Loan Compatibility 6. Flexibility on contribution 7. Low administrative cost Interested in knowing more about i401k ? Then don't forget to subscribe to our YouTube Channel at: http://www.youtube.com/user/SunwestIRA.
Просмотров: 130435 sunwestira
Retirement Investing when Self-Employed - IRA or SEP
Listen to Dan Live everyday at https://www.financialissues.org Like Dan on Facebook: https://www.facebook.com/financialissues Follow Dan on Twitter: https://twitter.com/financialissues Listen to Dans what Dan says is the truth about 2015 Economic Growth https://www.youtube.com/watch?v=QdebUItWJa4 Financial Issues - Program December 30, 2015
Просмотров: 2318 Financial Issues with Dan Celia
Solo 401(k) - The best plan for the self-employed
A Solo 401(k) is a traditional 401(k) plan that covers only one employee. In general, to be eligible to establish this plan, one must be self-employed or have a small business with no full-time employees.
Просмотров: 56 IRAFinancialGroup
TAX TIP: Retirement Plans For Self-Employed People
In this video I explain retirement plans for self-employed people! Thank you for watching and don't forget to ask me your tax questions in the comments below! :) Follow Me on: http://www.instagram.com/tylermcbroom http://www.facebook.com/MeasuredCPA
Просмотров: 30 Tyler McBroom
Solo 401k Plan for Self Employed: How to Qualify for a Solo 401k Plan
http://www.sensefinancial.com Many investors want to take advantage of the benefits of the Solo 401k plan for self employed. Michael Atias, director of OTA Tax Pros, explained how investors can generate self employed income and become qualified for the Solo 401k plan. For more information, please visit our website or contact us at 949-228-9394.
Просмотров: 2578 SenseFinancial.com
Employer Pension Plans: Defined Benefit Plan | Your Money, Your Choices with Susan Daley
Many employees may find the pension plan provided by their employer somewhat of a mystery. In this episode of Your Money, Your Choices, I will provide some clarity on the "holy grail" of employer pension plans: the Defined Benefit plan, and why the benefits usually outweigh the risks. Unfortunately, these types of pension plans have become rare. So what is replacing them? I'll cover that in my next video. I put out new videos every other week, so be sure to subscribe to my channel, and click the bell to receive notifications every time I post a new video on YouTube. ------------------- Visit PWL Capital: https://goo.gl/uPcXg7 Follow PWL Capital on: - Twitter: https://twitter.com/PWLCapital - Facebook: https://www.facebook.com/PWLCapital - LinkedIN: https://www.linkedin.com/company/pwl-capital Follow Susan Daley on - Twitter: https://twitter.com/_SusanDaley - LinkedIN: https://linkedin.com/in/daleysusan
Просмотров: 8542 Susan Daley
2 Minute Tax Tip S-Corp Retirement Plan Tax Deductions SEP IRA Solo 401K For S Corps & Self Employed
2 Minute Tax Tip on the Best Retirement Plans and Tax Deductions using SEP IRA's and Solo 401K's For S Corporations and Self Employed Small Business Owners ★ Want to set up your own SEP IRA or Solo 401k for your S-Corp? (CLICK☞): https://www.bettermentforbusiness.com/ ★ S-CORP ONLINE COURSE NOW AVAILABLE (CLICK☞): https://bootcamp.advisorfi.com/p/s-corporation-bootcamp Business ownership is adventurous, rewarding, and completely confusing. Sure you can come up with the next business idea and change the world with a single event, but how do you organize and run the business side of that idea? Should you set up an LLC and how should it be taxed? Are you prepared to streamline this new business venture and idea? What information should you consider in your business that's meaningful, and when do you implement it? Where do you go to find the best tools possible for your business? How do you save money on taxes? Where do you set up your new company? What technology should you use to make running your business easier? These aren't the things that we learn in school, and chances are you don't have time for trial and error. You're here to make money doing what you love, and I'm here to make that easier for you and absolutely practical. ★ S-CORP ONLINE COURSE NOW AVAILABLE (CLICK☞): https://bootcamp.advisorfi.com/p/s-corporation-bootcamp In this Bootcamp for Converting to S-Corp (Form 2553), you will walk away with knowledge such as; How do you to properly start your business, ~ Why you should consider S-corporation (Form 2553) for your business venture, ~ How do you properly complete S-Corporation (Form 2553) correctly when you are NOT late in electing, ~ How do you properly complete S-Corporation (Form 2553) correctly when you ARE late in electing, ~ What are the IRS S-corporation expectations and requirement for your S-Corporation (Form 2553), ~ What are the best 2018+ tax reform business savings for my S-Corporation (Form 2553), ~ What are the best business and accounting apps to use to make running a business easier and are there exclusive offers for them through AdvisorFi.com, and much more! ★ S-CORP ONLINE COURSE NOW AVAILABLE (CLICK☞): https://bootcamp.advisorfi.com/p/s-corporation-bootcamp By the end of this S-Corp Bootcamp, your business venture will be in tip-top shape to make your dreams and tax savings become reality. You'll have a complete plan for how to set up your business venture correctly that saves you money and time, and rolling out the best technology that will make business ownership as an S-Corporation a breeze! This online course is the first of it's kind and is the beginning of a series of educational online products to be created by Will Lopez, Founder of AdvisorFi. Needless to say, we are excited to show you how successful business ownership is really done. :) ★ S-CORP ONLINE COURSE NOW AVAILABLE (CLICK☞): https://bootcamp.advisorfi.com/p/s-corporation-bootcamp =========== ★ Gusto Payroll (CLICK☞): https://gusto.com/r/uBiOb =========== ★ FREE Consultations (CLICK☞): http://meetme.so/freebie =========== ★ Subscribe (CLICK☞): https://goo.gl/o8hRuk =========== ★ Best Playlist (CLICK☞): https://goo.gl/Kvb41h =========== ★ AdvisorFi Team (CLICK☞): http://advisorfi.com/#pricingPlans =========== ★ Xero Accounting (CLICK☞): https://www.xero.com/us/signup/ =========== ★ Please LIKE Comment & SUBSCRIBE (CLICK☞): https://goo.gl/o8hRuk ★ Thanks for watching (CLICK☞): http://AdvisorFi.com ★ Music from YouTube (CLICK☞): https://www.youtube.com/audiolibrary/music ★ S-CORP ONLINE COURSE NOW AVAILABLE (CLICK☞): https://bootcamp.advisorfi.com/p/s-corporation-bootcamp 2 Minute Tax Tip on the Best Retirement Plans and Tax Deductions using SEP IRA's and Solo 401K's For S Corporations and Self Employed Small Business Owners #Accounting #Business #Taxes
Просмотров: 526 advisorfi.com
Mitlin Minute Retirement Plans For The Self Employed
We discuss retirement plan options for the self employed.
Просмотров: 25 Mitlin Financial Inc.
Seattle CPA on Retirement Planning for the Self-Employed
http://www.curtcpa.com Seattle CPA, PFS, Curtis Erickson Seattle Investment Advisor, Lauren Vignec In this episode of EricksonTV, Curtis and Lauren explore the results of a survey by USA Today on the current retirement planning trends of the self-employed. Erickson Wealth & Tax Management is a Seattle firm that specializes in financial advising, investing, accounting, and tax preparation. 200 1st Avenue West, Suite 401 Seattle, WA 98119 Phone: (206) 284-9900 Fax: (206) 289-5900 curt@curtcpa.com
Просмотров: 106 EricksonTV1
Pension planning – a little bit of help from us
We’ve all got to stop working at some point. As someone who is self-employed, what are you going to do about your pension planning? Do you know your full entitlements? It’s all very complicated, so get in touch and we may be able to help. FIND OUT MORE Get in touch with us at http://eazitax.co.uk/
Просмотров: 7 Luvtax Group
Retirement Planning for Self Employed with no 401k or IRA 💰 My Plans
In this video I go over how I plan on saving for my retirement without a 401k or an IRA. I am starting with I am 35 but I wish I would have started sooner. I am interested in How to retire early and the reality is my business is enabling me to be able to have a solid retirement plan without investing. How I paid off my Mortgage: https://youtu.be/SPZCfO8tVqo The millionaire fastlane: https://amzn.to/2yX3YSn Unscripted: https://amzn.to/2qxqYTy I will teach you to be rich: https://amzn.to/2Dr6C6y ------------------------------------------------ HOME OFFICE PRODUCTS I USE: ------------------------------------------------ Brother printer: https://amzn.to/2n1JEc6 Ink for Brother Printer: https://amzn.to/2vbqcOv Laptop: https://amzn.to/2LK5Rdw PC: https://amzn.to/2vaNAvu Canon g7X: https://amzn.to/2viEQ6X Canon T3i: https://amzn.to/2AyReV8 ------------------------------------------------ STATIONERY RELATED TOOLS I USE: ------------------------------------------------ Canon printer: https://amzn.to/2KmJ8i3 Inks: https://amzn.to/2vd63Yr Paper chopper (heavy duty): https://amzn.to/2LK9q3n Paper trimmer: https://amzn.to/2O2tbjs Packaging supplies: https://amzn.to/2n61vi2 ------------------------------------------------ MY SHIPPING SUPPLIES ------------------------------------------------ Dymo 4xL: https://amzn.to/2O5w2YV Shipping Packages: https://amzn.to/2OC2ljh Tape: https://amzn.to/2KkUD9C Free stuff from usps: http://bit.ly/uspsfreesupplies Bubble wrap: https://amzn.to/2Km17Fo Packaging Inserts: http://bit.ly/marketinginsertsbundle ------------------------------------------------ FAVORITE BOOKS AT THE MOMENT: ------------------------------------------------ The Magnolia Story: https://amzn.to/2Km3IPE Blue Ocean Strategy: https://amzn.to/2KmnsT9 I Will Teach You To Be Rich: https://amzn.to/2n4uCCv You are a Badass at Making Money: https://amzn.to/2ODuYfV Check out Audible on Amazon, your 1st book is free!: https://amzn.to/2OObsNH ------------------------------------------------ GOODIES FOR YOU: ------------------------------------------------ Free 14 day trial of Marmalead: * http://bit.ly/thmmarmalead Try out Trello - my project management tool: http://bit.ly/thmtrello Where I buy my stock photos from: * http://bit.ly/thmstockphotos Shopify FREE 14 day trial: * http://bit.ly/thmshopify ------------------------------------------------ JOIN MY FACEBOOK GROUP FOR HANDMADE ENTREPRENEURS: ------------------------------------------------ http://bit.ly/thmfacebookgroup ------------------------------------------------ NEED HELP SELLING ONLINE? CHECK OUT MY COURSES: ------------------------------------------------ http://bit.ly/thmcourses ------------------------------------------------ FOLLOW AND LIKE ME ON: ------------------------------------------------ FB: http://bit.ly/thmfacebookpage Instagram: http://bit.ly/thminsta Twitter: http://bit.ly/thmtweets Pinterest: http://bit.ly/thmpinterest 🌟 Links above marked with a "*" are affiliate links - which means I receive a small percentage of the revenue made from purchasing products through this link. This does not cost you anything additional, just helps support me and my efforts to bring you quality content by using these links. Thanks! https://www.thehandmademastermind.com
Просмотров: 142 Dalia Abdalla
Pooled Registered Pension Plans Launched in Canada
The Canadian Department of Finance has authorized several Canadian life insurance companies to begin offering Pooled Registered Pension Plans in Canada. The new voluntary pension arrangements are intended to make it easier for small businesses, and even the self-employed, to participate in workplace pensions, complementing existing registered pension plans and individual savings vehicles such as RRSPs and TFSAs.
Просмотров: 240 InvestmentPitch Media
Working for yourself? Why you need a pension.
Fidelity's Ed Monk investigates the growing trend of self-employment and explains why this group can’t afford to ignore setting up a pension. Capital at risk. Find out more about the Fidelity Self-Invested Personal Pension http://ow.ly/R6wt30fJNR3
Просмотров: 9434 Fidelity UK
Which Plan is Best for You in LIC | Best Plans In LIC | Top 5 Insurance Plan in LIC | My suggestions
1.Jeevan Lakshya - Plan 833 https://youtu.be/RmHS16swSfQ 2.Jeevan Labh - Plan 836 https://youtu.be/QZ0e0V7xLQE 3.Jeevan Anand - Plan 815 https://youtu.be/RypP6dy2B3w 4.Money Back Plans Plan 821- https://youtu.be/DkZByHDGwtE Plan 820-https://youtu.be/7XESs-6BIds 5.Pension Plan - Plan 189 https://youtu.be/HZkj4ZE26fc Here you will get latest Information Related To Insurance , Investments , Mutual funds, saving accounts, current accounts, stock markets, Insurance Advise and also latest updates about financial news etc. ---------------------------------------------------------------------- Also Support On - Subscribe Here :- https://goo.gl/Nj3Yhk Website :- https://goo.gl/k2cCbd Facebook Page :- https://goo.gl/gyt2n5 Google Plus :- https://goo.gl/FjvHMR Facebook Myself:- https://goo.gl/vBCnWx Instagram :- https://goo.gl/9pSPD2 Linkedin :- https://goo.gl/yHeoMA Twitter :- https://goo.gl/svbqvK New Channel - https://goo.gl/f4NKdn Paypal :- akgargofficial@gmail.com ------------------------------------------------------------------- ----------------Videos Playlists-------------------------- Investment Plans Videos - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo1XhJaJ27fw_ZG-BZ1Ihaqw ____________________________________ LIC Insurance Plans Videos - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo2R7KG_zq7JW6DoJ9VM9-aI ____________________________________ Mutual Fund Videos - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo2iTDuu55hSNTrSD1k8Bjit ____________________________________ Children Plans - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo1HAVzlC785IyS0BkRKmtVa ____________________________________ Pension Plans - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo0NqCIuut7XOpSfmMSOiZhp ____________________________________ Term Insurance Plans - 👇https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo0CrfpuNGkHgdGmm8lXuChB ____________________________________ Plan Combinations - 👇https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo1luKvet-BugOc7wwjiboFk ____________________________________ Money Back Plans -👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo0NpGKeYfPbjdvlw9f__wwf ____________________________________ Star Health Insurance Videos (Medi Claim) - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo2f0hmhCYaXDr9aJUacdPEj ____________________________________ Online Facilities Videos - 👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo2bUGPdpTke0HMwAfjpbs7G ____________________________________ Check My all YouTube Videos - 👇 https://www.youtube.com/channel/UCk0jZcRvAxV7NaKodQzjGIg ____________________________________ Important Updates -👇 https://www.youtube.com/playlist?list=PLRWUYJ5ZrQo0l7Lh_NUflQ4zlqEEVsTg- ------------------------------------------------------------- ------------------------OFFERS------------------------ Best Deals on Amazon - http://amzn.to/2D34pdw Best Deals on Flipkart - http://fkrt.it/BADsdTuuuN ------------------------------------------------------------- My Gears- Mic - http://amzn.to/2zUMeFs Camera - http://amzn.to/2EgORDS Writing Pad -http://amzn.to/2DJJktc Laptop - http://amzn.to/2trtNJP Tripod - http://amzn.to/2Iad5C6 ------------------------------------------------------------- ------------------------------------------------------------- For Business Related - (Sponsorships - Collaboration) E-Mail @ akgargofficial@gmail.com
Просмотров: 141120 Unlimited Gyan