退休

探索小企业的退休计划

This infographic is composed of six images with accompanying text. The images are stacked vertically with the text across each image. A design treatment has been placed along the background of wavy lines. The first image has a header reading Exploring 退休 Options for Small Businesses. 下面的文字如下, Selecting a retirement account for your small business is a key decision that impacts both you and your employees. 有多种选择, 考虑开支等因素是很重要的, 员工流动率, 和贡献. This brief guide is designed to help you navigate different considerations when choosing a retirement plan that aligns with your business. A financial professional can provide guidance as you review the pros and cons of the different choices.This infographic is composed of six images with accompanying text. The images are stacked vertically with the text across each image. A design treatment has been placed along the background of wavy lines. The first image has a header reading Exploring 退休 Options for Small Businesses. 下面的文字如下, Selecting a retirement account for your small business is a key decision that impacts both you and your employees. 有多种选择, 考虑开支等因素是很重要的, 员工流动率, 和贡献. This brief guide is designed to help you navigate different considerations when choosing a retirement plan that aligns with your business. A financial professional can provide guidance as you review the pros and cons of the different choices.Moving down the infographic, the header reads Choice 1: Consider Your 退休 Account Options. 下面的文字如下 the following: Simplified Employee Pension Plan (SEP): This is an employer-funded retirement account where contributions are made to separate IRAs for eligible employees. Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) IRA: This plan blends employee and employer contributions. Employers may match employee contributions or contribute a fixed percentage of each eligible employee’s compensation. 401(k):该账户主要由员工提供资金, 可选择雇主额外供款, 包括配对供款.Moving down the infographic, the header reads Choice 1: Consider Your 退休 Account Options. 下面的文字如下 the following: Simplified Employee Pension Plan (SEP): This is an employer-funded retirement account where contributions are made to separate IRAs for eligible employees. Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) IRA: This plan blends employee and employer contributions. Employers may match employee contributions or contribute a fixed percentage of each eligible employee’s compensation. 401(k):该账户主要由员工提供资金, 可选择雇主额外供款, 包括配对供款.Continuing down the infographic, you reach Choice 2: Help Manage High Turnover. 下面的文字如下, SEP-IRA: This plan covers employees at least 21 years old who earn at least 650 dollars in compensation and have been employed in three of the last five years. SIMPLE IRA: This plan covers employees who have earned at least 5,000 dollars in any prior two years and are reasonably expected to earn 5,当年的1000美元. 401(k) and Defined Benefit Plan: This plan covers all employees who are at least 21 years old and is based on specific hours worked criteria.Continuing down the infographic, you reach Choice 2: Help Manage High Turnover. 下面的文字如下, SEP-IRA: This plan covers employees at least 21 years old who earn at least 650 dollars in compensation and have been employed in three of the last five years. SIMPLE IRA: This plan covers employees who have earned at least 5,000 dollars in any prior two years and are reasonably expected to earn 5,当年的1000美元. 401(k) and Defined Benefit Plan: This plan covers all employees who are at least 21 years old and is based on specific hours worked criteria.The next section reads, Choice 3: Maximize Contributions for Yourself & 你的配偶. 下面的文字如下, SEP-IRA and 401(k): These plans offer higher contribution maximums than the SIMPLE IRA. Defined Benefit Plan: This plan is suitable for business owners starting late, 它提供了更高的允许贡献.The next section reads, Choice 3: Maximize Contributions for Yourself & 你的配偶. 下面的文字如下, SEP-IRA and 401(k): These plans offer higher contribution maximums than the SIMPLE IRA. Defined Benefit Plan: This plan is suitable for business owners starting late, 它提供了更高的允许贡献.The next header reads, Choice 4: Prioritize Ease of Set-up While Managing Administration Fees. The options underneath read as follows: SEP-IRA and SIMPLE IRA: Straightforward to establish and maintain. 401(k): This can be more complex, but using Safe Harbor 401(k) can simplify testing requirements. Defined Benefit Plan: This is the most complicated and expensive retirement option to establish and maintain.The next header reads, Choice 4: Prioritize Ease of Set-up While Managing Administration Fees. The options underneath read as follows: SEP-IRA and SIMPLE IRA: Straightforward to establish and maintain. 401(k): This can be more complex, but using Safe Harbor 401(k) can simplify testing requirements. Defined Benefit Plan: This is the most complicated and expensive retirement option to establish and maintain.The last section of the infographic reads as follows: A financial professional may be able to help. They can either provide some general guidance regarding what retirement strategy best fits your business, or they can access research material that will help you better understand the available choices. 就像传统的IRA, withdrawals from a SEP-IRA and SIMPLE IRAs are taxed as ordinary income and, 如果在59岁半之前服用, 可能要缴纳10%的联邦所得税罚款. 在大多数情况下, 一旦你到了73岁, 你必须开始取所需的最小分布. 在大多数情况下, you must begin taking required minimum distributions from your 401(k) or other defined contribution plans in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, 如果是在59岁半之前, 可能要缴纳10%的联邦所得税罚款.The last section of the infographic reads as follows: A financial professional may be able to help. They can either provide some general guidance regarding what retirement strategy best fits your business, or they can access research material that will help you better understand the available choices. 就像传统的IRA, withdrawals from a SEP-IRA and SIMPLE IRAs are taxed as ordinary income and, 如果在59岁半之前服用, 可能要缴纳10%的联邦所得税罚款. 在大多数情况下, 一旦你到了73岁, 你必须开始取所需的最小分布. 在大多数情况下, you must begin taking required minimum distributions from your 401(k) or other defined contribution plans in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, 如果是在59岁半之前, 可能要缴纳10%的联邦所得税罚款.
 

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