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401(k) Investment Options

For many individuals who want to plan ahead, a retirement account is one of the best means to save for the future. For most, an individual retirement account (IRA) or 401(k) plan are the primary…

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401(k) Loans and Prohibited Transactions

For those who want to save for retirement, a 401(k) account can help. If you are self-employed and do not have employees, you have the option of opening a self-directed 401(k) account. Unlike most company-sponsored…

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Self-Administration of Your Solo 401(k)

Self-administering a Solo 401(k) isn’t necessarily rocket science, but it does require strict compliance with both IRS and DOL regulations. Failure to comply can result in the IRS considering your retirement fund disbursed, penalizing you,…

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401(k) Contribution Limits In 2018

There is no doubt – the Internal Revenue Service (IRS) is the governing body when it comes to your retirement account. For 2018, the IRS did not make any major changes. However, any change, regardless…

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“Life Cycle” of a 401(k) Plan

When we talk about 401(k) plans having a life cycle, we mean that as literally as it can be meant. They are born, they exist, and then they’re terminated. It’s a useful analogy because it…

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401K Plan Loans — Why 72(p) Can Assist Your Investments

People often wonder if they can borrow money from their 401(k) plans. The answer is yes, but there are a number of things to bear in mind when you do. Firstly, the money that was…

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401(k) Plans — Final Chance to File IRS Form 5500-EZ

If you have a self-directed 401(k), the Internal Revenue Service (IRS) requires you to report assets for accounts with more than $250,000 annually. This is done through the IRS form 5500-EZ. However, these are not…

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When a CPA Says The IRS Prohibits A Solo 401K From Investing in Real Estate

A lot of old school CPAs still believe that you can’t use retirement vehicles like 401(k)s or IRAs to invest in real estate. They say this despite the fact that thousands of people all over…

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The Self-Directed IRA Plan Asset Rules

When you open an individual retirement account (IRA), you do so as a way of saving for your golden years. An IRA allows you to invest in mutual funds, stocks and bonds. However, a self-directed…

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Terminating Your Self-Administered 401(k) Plan

For those who own a business and self-administer their own solo 401(k),…

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Max Contribution Limits for Solo 401(k)

Everyone wants peace of mind when it comes to being financially secure by the time he or she will retire. Luckily, there are a lot of great retirement plan options available today. The most well…

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Knowing Your Solo 401(k) Benefits

Are you thinking about the best way to save for your retirement?…

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Prohibited Solo 401(k) Investments: What You Can’t Invest In With a Solo 401(k)

Planning for your retirement while you are still young and able-bodied enough to work is a great idea. Using an individual retirement account (IRA) or 401(k) are some of the most recognized means of benchmarking…

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UBTI / UBIT / UDFI And Your Solo 401(k)

Are you saving for your retirement years? For many, a 401(k) allows them to benchmark and grow their retirement account. Unlike an individual retirement account (IRA) or a traditional 401(k), a solo 401(k) allows you…

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Real Estate Investing With Your 401(k)

Saving for your retirement is a great way to ensure you have a source of income even after you end your career. A 401(k) is a fairly standard way of doing this. With a 401(k),…

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Form 5500 EZ and Your Solo 401(k)

If you have a solo 401(k), one of the benefits that may…

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Solo 401(k) Eligibility: How Do I Know If I’m Eligible?

Individual retirement accounts (IRAs) and 401(k) accounts are two of the most well known types of retirement accounts available today. However, self-directed, or solo, 401(k) accounts are growing in popularity and there are plenty of…

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Loans From Your 401(k): A How-To Guide

It can be frustrating to see your retirement account grow while you struggle with personal debt. With an individual retirement account (IRA) or self-directed IRA (SDIRA) that is all you can do. However, with a…

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Setting up a Self-Directed 401k

Setting up a self-directed 401(k) may seem like an intimidating process. We’ve…

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Types of Self-Directed 401k Plans

Retirement plans are confusing enough. Understanding contribution limits, picking mutual funds and simply setting up your plan can be overwhelming. To complicate it further are the different types of plans from traditional IRAs to 401(k)s….

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What Are the Self-Directed 401k Eligibility Requirements?

We’ve already discussed the benefits of a self-directed 401(k) plan. Now you…

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Investments in Self-Directed 401k

Like many things in life, the self-directed 401(k) is attractive because it provides options. The variety of investment options available are only limited by your own creativity. We’ve seen investors revamp their boring old retirement…

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What Rules Affect Self-Directed 401k Plans?

There are two major rules to keep in mind when dealing with a self-directed 401k. These rules govern other popular retirement plans. First, are the rules related to prohibited investments. Second, are rules related to…

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The Pros and Cons of a Self-Directed 401k

One of my first jobs out of college was a gig as…

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