Take a look at some of the advantages and benefits of one of the most popular retirement saving plans "401k". We've tried to compiled some basic things and information on a 401k retirement plan that every employee should know. Now with Dear 401K J, there is a better way of getting financial, investment and retirement help. Get retirement and pension help online with just a few clicks at the leading California based 401k retirement help platform www.Dear401kj.com.

1. 401k Retirement Plan, Advantages
and Benefits
By
Financial Advisor California
Dear 401K J

2. What Is A 401 (K)
Retirement Plan?

3. 401 (k) Is A Retirement Saving Plan
Sponsored By An Employer.

4. Advantages And Benefits Of a 401 (k) Plan

5. 401 (k) Is A Retirement Saving Plan That Has Many
Advantages. But It Also Has Some Restrictions

6. 401k Plan Is Good To Go For All Types Of Businesses Including:

7. C CORPORATION S CORPORATION

8. PARTNERSIP SELF EMPLOYED

9. SOLE PROPRIETORSHIP

10. Within Certain Guidelines, An
Employer Is Responsible For Setting
Up The Eligibility Requirements.

11. An Employer Has The Power To Restrict 401k Plan For
Employees Such As:
> Less Than One Year
Service
> Union Members
> Non US Citizens
> Part-Time Workers
> ETC.

12. A 401k
Contributions
Can Come From
Both Employee
And/or
Employer
Voluntary
Salary
Reduction.

14. Additional “Catch-Up” Contributions Of $5,500 Is Allowed
For 401k Participants Aged 50 And Over.

15. Employees Are Immediately 100% Vested With Their Own Salary
Reduction Tax Deferred Contributions

16. 10% Penalty May Be Subject To
Employee Withdrawals Before Age 59

17. Retirement Any Time During The Calendar Year In Which An
Employee Turn 55 Or Later Are Not Subject To 10% Penalty

18. Within Certain Guidelines, An Employee Can Establish A Vesting
Schedule For The Contribution An Employer Makes To The 401k Plan.

19. A 401k Plan Does Not Obligate An Employer To Make Any
Contributions To The Plan, Unless The Plan Is Deemed Top Heavy.

20. A 401k Plan Is
Also Available In
Internet And
Turnkey Forms.

21. A 401k Plan Has Excellent Range Of
Investment Options Available, Sponsor
To Offer Within The Plan.

22. An Average 401k Plan Has Up To
16 Investment Choices/Options
But May Range Up To 8 To 20
Options As Well.

23. Self-Directed Investment Accounts And Company Stock Purchase Are
Permitted In 401k Plans With Certain Terms and Conditions.

24. Till There Is No Distribution
From A 401k Plan, No
Federal Income Taxes Are
Applied On Employee
Contributions To The Plan.
Same Goes With All Types
Of Investment Gains And
Earning.

25. Hardship Withdrawals And Loans
Are Permitted In A 401k
Retirement Plan.

26. During A Course Of Year,
Participants Can Start Or Stop
Contributions To The Plan As
Determined By The Company.

27. Contributions To A 401k Plan By An Employer May Give Certain Tax
Benefits To The Employer.

28. Discrimination And Top Heavy Testing May Apply To
401k Plans.

29. Typically, Contributions Of Other Employers Are The Function Of The Amount That Owners
And Highly Compensated Individuals Can Contribute To A 401k Plan.

30. IRS 5500 Filings May Apply
To 401k Plans

31. Files 5500 reports with IRS, Accounting, Participant Reporting, And Testing Are All
Performed By The Vendor Selected By The 401k Plan Sponsor.

32. Today, 401k retirement saving plan has proven to be one of the most popular saving
plans for employees for many reasons. Some them include increased profitability,
employer matching contributions, and the highest on the list is the tax deferral.

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