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Small Business Self Employed 401 k Plan
We can provide you expert 401k service answers for small business self employed retirement planning - including 401 k plans and other employee and employer small business programs and plans.
Options
Sometimes people feel that self employed or a business with less than 5 or 10 employees may have limited options - similar to health insurance planning choices. Thankfully attractive retirement and tax deferred plans are available (unlike health insurance options). These can include IRA, SEP IRA, small business 401k programs and single variable annuities or variable life policies. Self employed small business can set up the right planning and we are regulations experts and can advise you on the best path, as well as answering questions you may have.
Vested
To be 100% vested in these retirement plans means the balances in the account are available to the employee in the form of rollovers and transfers - should the person leave the company. If the person has not completed a minimum number of years with the company during the plan, the employer may deduct the non-vested portion of THEIR contributions to the account (the matching). Every dollar put in by the employee out of their paycheck is always permanent. The account could lose value, but no money placed by the employee into the 401k is held back because of the vested regulations
Retirement Plan Links for Employers and Investors
Plan - In Service Distribution - 401 k Company - 401k Administration - Small Business Retirement Plan - Self Employed Plan - Plan Servicing Company - 401k Investing -
Company Plan Provider - New 403b Plan Rules
Let Us Help: (service for corporate plan managers)
If you are a company in need of servicing questions for your employees or have questions on fees, compliance or other areas of concern, please use our Company Retirement Plan Help Form
If you are an individual with a retirement account and need assistance with in service distribution or other transfer rollover questions, American Investment Training can help. You can submit your question to our Investment Retirement Plan Help form for individual investors or insurance issues.
Retirement Plan Advice - Discussion Blog for Plan Administrators, Employers and Employees.
Copyright  2006 American Investment Training, Inc.
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