by ff | Aug 12, 2026 | Retirement Planning
If you’re setting up a new 401(k) plan for your business, the first real design decision isn’t the investment lineup — it’s whether to go Safe Harbor or Traditional. The two structures land in very different places on cost, flexibility, and how...
by ff | Aug 12, 2026 | Retirement Planning
If you’re a small business owner sponsoring a 401(k) plan, the IRS doesn’t just check that the plan exists — it checks every year whether the plan disproportionately benefits owners and highly paid employees over everyone else. Fail one of these...
by ff | Aug 12, 2026 | Retirement Planning
The Thrift Savings Plan is the federal government and military version of a 401(k) — same IRS contribution limits, same tax treatment, but with a few real structural differences worth understanding if you are a federal employee or service member. Same 2026...
by ff | Aug 12, 2026 | Retirement Planning
A lawsuit or bankruptcy filing does not treat every retirement account the same way. The type of account you hold, and in an IRA specific case, which state you live in, can be the difference between a creditor never touching your retirement savings and losing a real...
by ff | Aug 12, 2026 | Retirement Planning
A layoff forces retirement decisions on a timeline you did not choose. Unlike a planned career break, there is usually a health-coverage clock running and a severance check that behaves differently than most people expect. Here is what is actually true, separate from...
by ff | Aug 12, 2026 | Retirement Planning
If your employer offers an ESOP, it is easy to confuse it with the stock options or RSUs a startup employee might get. A real Employee Stock Ownership Plan is something different: a tax-qualified retirement plan, regulated like a 401(k) under ERISA, that is required...
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