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Self Directed Solo 401k: What You Can and Can’t Invest In
Let’s be honest: Most “self-directed” 401k plans are a total sham. You open an account with one of the big-box brokerage firms because they promised you “total control.” But the moment you try to use your retirement funds to buy a rental property down the street or invest in a tax lien, they hit you…
Read MoreQDRO Preparation Services: How a DRO Becomes a QDRO (2026)
If you are navigating a divorce, you might find yourself actively searching for a qdro preparation services company. You already know they can help split up a highly protected retirement account like a corporate 401(k) or a traditional pension plan. To get that ball rolling, your attorney will probably mention the word “QDRO” (frequently pronounced…
Read MorePre Tax Commuter Benefits: The 2026 Employer Guide to Section 132(f)
Every benefits conference I have attended in the last five years has the same predictable lineup. Someone talks about mindfulness apps. Someone pitches a financial wellness platform. Someone explains why standing desks matter. And almost nobody mentions the single simplest tax-advantaged benefit an employer can offer: pre tax commuter benefits under Section 132(f). That is…
Read MoreWhat Is a Qualified Domestic Relations Order (QDRO)?
A Qualified Domestic Relations Order (QDRO) is a judicial order that allows a retirement plan to pay part of a participant’s benefits to someone else—usually a former spouse, child, or other dependent—as part of a divorce, legal separation, or support order. It creates or recognizes the alternate payee’s right to receive all or a portion of the…
Read MoreSelf Employed 401k vs Solo 401k: What’s the Difference?
Let’s be honest: the retirement industry has a habit of selling "simple" like it’s always better. It sounds clean. It sounds easy. It sounds responsible. But the truth? "Simple" is often code for "less work for the financial institution." That’s the part most banks, brokerage platforms, and cookie-cutter advisors do not want to say out…
Read MoreSolo 401k: The Complete Guide for Self-Employed Business Owners (2026)
Let’s be honest: Most “guides” on the Solo 401k are written by big-box brokerage firms that want one thing: your assets under management in their generic mutual funds. They’ll hand you a cookie-cutter plan document, wish you luck, and leave you to drown in the IRS filing requirements the moment your account hits a certain…
Read MoreQDRO Preparation Near Me in New York
QDRO Preparation Near Me in New York If you are searching for “QDRO preparation near me,” you are really looking for someone who will make sure your Qualified Domestic Relations Order (QDRO) is drafted correctly, accepted by the plan, and actually paid—not just a local office down the street. At The Pension Department, Inc., we…
Read More2026 401k Limits
401(k) Contribution Limits: 2025 & 2026 401(k) Contribution Limits: 2025 & 2026 Employee Contribution Limits Category 2025 2026 Under 50 (Standard Deferral) $23,500 $24,500 Age 50+ (Catch-up) $7,500 $8,000 Age 60–63 (Super Catch-up) $11,250 $11,250 Total Max Contribution Example (Under 50) $23,500 $24,500 Total Max Contribution Example (50–59) $31,000 $32,500 Total Max Contribution Example (60–63)…
Read MoreNew York State Secure Choice Q&A
pdi Secure Choice NY by brett g
Read Moretop 401k providers for small business’
Let’s be honest: the top 401k providers for small business’ promise “low fees,” “easy setup,” and “great support.” But if you’ve spent any time shopping for a retirement plan, you know that the reality is often less impressive. Hidden costs, generic service, and clunky tech are everywhere. So, what does it really take to deliver…
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