Do you own multiple IRAs at various institutions? Over the years, many investors make annual IRA contributions or complete qualified plan rollovers to different accounts at numerous financial institutions and now find it costly and confusing to keep track of all the accounts.

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Financial planning is a crucial step in managing your financial future. Not only does it help you see your financial situation today, it also helps you think about those things you would like to do in the next five years, ten years, and throughout retirement.

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Participants have the option of designating some or all of their salary deferral as a Roth contribution to their 401(k) and 403(b) plans.

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Compare a traditional 401(k) to a Safe Harbor 401(k) for 2021.

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When you are leaving your job or considering a career change, you may find yourself with a sizable sum of money saved in your 401(k) or other type of retirement plan. Because this money could play such an important part in your financial future, it is important for you to understand your options.

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A rollover is the process of moving retirement plan or IRA assets to another qualified plan or IRA. Rolling over allows a qualified plan participant to continue to save tax-deferred assets (or possibly tax-free assets with a Roth conversion). Individuals may choose a rollover in order to consolidate their IRA holdings into one account.

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Most employer-sponsored retirement plans allow participants to take loans from their accounts. If your plan does allow loans, you can borrow up to 50% of your vested balance or $50,000, whichever is less.

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Participants of qualified employer-sponsored retirement plans (e.g., 40l(k), profit sharing, 403(b), etc.) typically have several options when deciding what to do with their retirement plan assets upon termination of service with the sponsoring employer.

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If your employer offers a Roth 401(k) or 403(b), should you invest via your employer-sponsored plan, contribute to a Roth IRA, or contribute to both? The answer: it depends! The decision will be personal, based on your unique needs and goals.

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SIMPLE IRAs and safe harbor 401(k)s are employer-sponsored retirement plans that allow participants to defer salary into the plan and receive either a non-elective or matching contribution from the business owner. Let’s examine how each plan type may benefit the business owner and his or her employees.

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This chart compares the various types of retirement plans.

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Each year, individuals with earned income may decide to put up to $6,000 ($7,000 if age 50 or older) into an IRA to save for retirement.

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