Reflections Blog

What Sole Business Owners Need to Know About Solo 401(k) Plans

As a sole business owner, a Solo 401(k) allows you to pay yourself up to $53,000 as both an employee and an employer.

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Not so Simple: What Business Owners Need to Know About Simple IRAs

A SIMPLE IRA allows employees to save pre-tax and companies to make smaller contributions without the administrative requirements of a 401(k).

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No 401(k)? No Problem. Why SEP IRAs Work for Some Small Businesses

SEP IRAs can be a good option for sole proprietors or small companies seeking a plan that is flexible and simple to administer, with high limits on contributions.

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Why Some Business Owners Choose a Safe Harbor 401(K) over a traditional 401(k)

A Safe-Harbor 401(k) plan provides a minimum level of contributions to all employees, freeing owners and highly compensated employees to receive larger profit-sharing payments.

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When is a Defined Benefit Plan a Good Option for Business Owners?

A Defined Benefit Plan can help older owners of highly profitable businesses squeeze twenty years of savings into ten

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What business owners need to know about 401(k) plans

A 401(k) allows high levels of employee pre-tax saving with the option for employers to make contributions, all professionally managed and administered.

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The Up Side of Down: Stock Market Declines & Annual Returns

Despite average intra-year drops of 14.2%, annual returns have been positive in 27 of 35 years.

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Window Closing for Social Security Rule Change Claiming Strategies

Maximize your Social Security benefits now while you still can.

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Average Returns Aren’t Normal, Normal Returns are Extreme

An average return is in fact exceedingly rare.

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How Working in Retirement Affects Social Security

Avoid having your benefits reduced and perhaps see an increase while working

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Three Ways to Lower Student Loan Payments

Gain financial freedom by improving your student loans terms

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Will I Pay Tax on Social Security?

Make the most of the money you’ve saved during your working years by understanding Social Security taxation rules

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Year-End Financial Planning Checklist

Six key financial planning ideas to review before year-end

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Six Ways to Teach Your Kids About Saving Money

Start teaching your children the importance of saving at a young age

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Adoption Tax Credit – Understanding the Single-Largest Tax Credit Available To Families Today

Adopting a Child? The IRS may offer you up to a $13,400 tax credit.

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Is it Time for an Advisor?

Three questions to help you find the right fit

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Five Good Behaviors for a Sell-off

Now is the time to stay focused on your long term goals

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Back to School: The Document Every College-bound Student Should Sign

Gain peace-of-mind before the big separation with a Durable Power of Attorney for Health Care

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Ex-’s with Benefits? Five Simple Rules on Social Security and Divorce

How spousal benefits can have a substantial impact on Social Security payments for divorcees.  

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The Power of Compound Interest and Why It Pays to Start Saving Now

The simple fact is that WHEN you start investing outweighs how much you save.

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Two For The Money: Can I Contribute To Two Retirement Plans If I Work Two Jobs?

Can you contribute to two retirement plans if you work two jobs? Yes! Capitalize on retirement plan rules to double your contributions and lower your tax bill

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The Legacy Conversation: The Missing Gem in Wealth Planning

Make a plan to start a conversation with your family members about what’s really going on behind the money

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Are you Risk Averse or Loss Averse?

Use our online tool to discover your personal appetite for risk, set investments accordingly and avoid the pain of loss aversion tightening its grip

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Need A Last-Minute Deduction Before April 15th? A Health Savings Account (HSA) Is Here To Save The Day

Establishing a Health Savings Account (HSA) may provide you a last minute deduction that can pump up your wallet even more.

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Who wants to be a millionaire? Gen X’ers sound off on their expected retirement needs

Gen X’ers were given the responsibility to save for retirement on their own.  So far, how have they fared?

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Lost and Found: Unclaimed Property Awaits

An estimated forty-two billion dollars of unclaimed property is waiting to be returned by state programs.  Could some of it be yours? Find out how to get that money back in your pockets.

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A Picture Saves a Thousand Cents…And Counting

We know what falling oil prices mean for our wallet, but what do they mean for your portfolio?

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Millennials: The DIY Generation’s Take on 401(K)’s – How do you compare?

Deeply concerned that Social Security will not be there for them when they retire, Millenials are taking action to prepare now. Are you?

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Give the Gift of a Roth IRA

What many may not know is that children can make Roth IRA contributions if they have compensation. And these contributions can come in the form of a gift.

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Life Insurance for Your Child? You Must Be Kid-ding.

Whether your child is two months or two years, the answer to whether or not your kid needs life insurance is: likely not.

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