You can move your retirement funds from one custodian to another for various reasons, such as wanting increased control or changing employers. Whatever your motive, it’s essential to undertake the move accurately. What Is a Transfer of Assets Form? An asset transfer form enables you to rollover funds from one retirement account type to another. Depending on […]
What Does a Small Business Owner Need to Know About SEP IRAs?
As a self-employed individual or small business owner, you have several retirement plan options. One example is a Simplified Employee Pension Individual Retirement Account (SEP IRA). This account has unique features that can help you maximize tax savings. You can also create a self-directed SEP IRA, which lets you invest beyond traditional assets like stocks and bonds. […]
How Are Self-Directed IRAs Taxed?
It is essential to understand the tax implications of self-directed individual retirement accounts (SDIRAs) before you start investing. The challenge is that the rules can be complex, so we have prepared this guide. SDIRAs provide many tax advantages, including tax-deferred or tax-free growth, depending on your account type. While some accounts are taxed before contributions are made, […]
Can You Have Both an HSA and an FSA?
Health savings accounts (HSAs) and flexible spending accounts (FSAs) have significant advantages, but their features differ. Choosing between the two options or both requires careful consideration, which can be complex. This guide breaks down the relevant factors to help you make an informed decision. Learn the rules of using HSAs and FSAs and which option […]
What to Do With an IRA During a Recession
A bear market and high inflation rates have many people wondering if the country is heading toward another recession. Economic activity declines for several months when a recession hits, and sales, income, employment and production tend to drop. Even if the idea of a recession has you feeling on edge, now isn’t necessarily the time to put your […]
Self-Directed IRA Administrator
Self-directed individual retirement account (IRA) administrators empower individuals to take control of their retirement savings. But what do they do? How are they different from other providers like custodians and facilitators? This guide answers these questions and provides tips for finding the ideal partner. What Is an IRA Administrator? An IRA administrator is a company that handles the paperwork required […]
What Happens to Your 401(k) After Quitting?
Are you looking to advance in your career? When considering possible financial implications, remember your 401(k) to minimize tax consequences. How you cash out your 401(k) after quitting depends on your account balance, future goals and your future and former employers’ retirement plan rules. It’s important to consider the 401(k) withdrawal rules, tax implications and alternative options […]
Alternative Assets for Investors
Investors today are increasingly turning to alternative assets to diversify their portfolios and enhance returns. But what are they, and how do they work? Are there any risks? If yes, how do you navigate them? This guide defines alternative investments and addresses other key considerations. At Accuplan Benefits Services, we help people integrate alternative assets […]
Using Your IRA to Buy Real Estate
If you want to diversify your retirement portfolio and invest in alternative assets, you may wonder if you can use your individual retirement account (IRA) to buy real estate. Traditional financial assets like exchange-traded funds (ETFs), stocks, mutual funds and bonds can all be great investment options. However, diversifying your portfolio can yield greater returns and provide a safety net. Unfortunately, many Americans are unaware that it’s […]
Key Changes to 401(k) Contribution Limits and Retirement Savings Rules in 2025
In recent years, the SECURE 2.0 Act has introduced important updates to retirement savings laws, aimed at helping Americans prepare for a financially secure retirement. With 2025 on the horizon, the latest adjustments focus on 401(k) contribution limits, new age-based provisions, and tax planning for high-income earners. These changes offer benefits to individuals of various […]
Financial Planning for Your 30s
Many 20-somethings are graduating from college, entering the workforce for the first time and learning how to navigate the financial responsibilities of adult life. When it comes to building toward and meeting your financial goals, your 30s is a great time to get started. If you will soon be entering your 30s, now is the time to […]
Non-Recourse Loans in an IRA: What You Need to Know
If you want to invest in assets with your self-directed Individual Retirement Account (IRA), you may have encountered the term non-recourse loan. While beneficial, this lending arrangement confuses many people. Thus, we have prepared this blog post explaining non-recourse loans and how they differ from recourse loans. You will also learn the eligibility requirements, the process for getting a recourse loan, the […]