What are the Safe Harbor 401(k) Plan Rules
Safe Harbors have special rules for vesting, eligibility, duration, and allocation that may change by the IRS. Work with a plan administrator to stay compliant.
Everyone
Employers & Business Owners
What is a Safe Harbor Match?
In exchange for getting a free pass on annual IRS testing, Safe Harbor plans require employers to make annual contributions on behalf of their employees.
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Employers & Business Owners
SIMPLE IRA vs. 401(k): Which is Better for Small Business?
When compared to a SIMPLE IRA, a 401(k) plan is the smarter solution for small businesses, ultimately providing greater value for owners and employees.
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Employers & Business Owners
How Much Will I Get If I Cash Out My 401(k) Early?
Cashing out your 401(k) early can set your growth back. It's recommended to let your money sit as long as possible, but that may not always be an option. Here's what to consider.
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Employees
How Can I Avoid Paying Taxes on My 401(k) Withdrawal?
From making Roth 401(k) contributions to avoiding penalties by not withdrawing funds early, there are several strategies for reducing your tax burden with a 401(k) retirement savings account.
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Employees
What Is the Difference Between a 401(k) and a 403b Retirement Plan?
401(k) plans are for private, for-profit businesses. 403b plans are for tax-exempt organizations and non-profits.
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Employers & Business Owners
401(k) Retirement Planning
Attracting and retaining talent with a 401(k) is a must for all businesses. Learn the long-term benefits of a retirement plan that will keep your employees happier longer.
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Employees
Do I Have to Pay Back an SBA Disaster Relief Loan?
The U.S. Small Business Administration is offering Economic Injury Disaster Loans (EIDL) worth up to $2 million. The goal is to support small businesses in overcoming temporary loss of revenue.
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Employers & Business Owners
How to Set Up a Safe Harbor 401(k) Plan
Looking to reward your employees with higher retirement contributions and allow higher contributions for owners, while legally bypassing potentially expensive annual nondiscrimination testing?
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Employers & Business Owners
How Much Does a 401(k) Cost a Small Business?
Worried about the cost of starting a 401(k)? Ubiquity offers simple, affordable retirement solutions designed to meet your needs and your budget.
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Employers & Business Owners
Are your IRA and 401(k) protected from future long-term care needs?
Medical advances extend life expectancy and costs. Savings with IRAs and 401(k)s helps protect taxable earnings and secure your financial future through your golden years.
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Employees
401(k) Benefits
401(k) plans are one of the most popular retirement savings vehicles because they’re flexible and provide solid benefits to both business owners and employees.
Everyone
Employers & Business Owners
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