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Get to know the 401(k) Plan
Ask us anything, these plans are powerful tools for businesses. They provide many benefits to employees and employers.
IRS Announces 2025 Cost of Living Adjustments to Retirement Plan…
The IRS released their 2025 limitations on the contribution amounts into qualified plans, such as 401(k) and Defined Benefit/Cash Balance plans.
What is Tax Deferral?
Tax Deferral is a crucial tax concept and the reason why retirement accounts are such a powerful investment vehicle. Tax deferral occurs when you…
What is a 401(k) Plan?
401(k) plans can be a powerful tool in promoting financial security in retirement. They are a valuable option for businesses considering a retirement plan,…
Understanding the Combo 401(k) & Cash Balance Plan
As a tax attorney with a Master’s Degree in taxation, I can pretty much read any provision of the Internal Revenue Code and, after…
Dental Practices – How to Choose the Best Retirement Plan
Over the years, Pension Investors have had the privilege of helping thousands of dental offices across the country establish pension plans. In general, most…
Calculating 401(k) Benefits—the Power of Tax Deferral
Saving through a 401(k) plan is the best way to retire with real wealth because it is based on the power of compounding interest.…
Why Save Through a 401(k) Plan?
The biggest advantage of saving through a 401(k) plan is that contributions are elective and can be can create a tax deduction. In addition,…
What are the Types of 401(k) Plans?
With a 401(k) plan, employees can choose to defer some of their salary. Instead of receiving that amount in their paycheck, the employee defers, or…
What is the Most Popular Type of 401(k) Plan?
Safe Harbor 401(k) Plans are very popular with business owners and plan participants alike. The Safe Harbor 401(k) provisions have some very big benefits and…
What is a Third-Party Administrator?
Many small business retirement plans will appoint the employer as the plan administrator. However, in most cases, and for good reason, the employer will…
How do 401(k) Plan Contributions Work?
Two of the advantages of participating in a 401(k) plan are: (i) elective deferrals to the plan and investment gains are not subject to…
What is 401(k) Plan Testing?
Plan sponsors must test traditional 401(k) plans each year to ensure that the contributions made by and for rank-and-file employees (non-highly compensated employees (NHCE))…
What is a 401(k) Record Keeper?
The primary purpose of a 401(k) plan record-keeper is to keep track of the plan money. Record-keepers are also responsible for maintaining the accounting of plan…
Advantages of Establishing a 401(k) Plan
A 401(k) plan is one of the most popular retirement savings vehicles available in the United States, offering numerous benefits that can significantly enhance…
