M&A Wealth

"Understanding Regular vs. Roth 401(k)s 💼✨⁠
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Traditional 401(k): Contributions are pre-tax, meaning you save now but pay taxes on withdrawals in retirement. Great if you expect a lower tax rate later on.⁠
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Roth 401(k): Contributions are made after-tax, so qualified withdrawals in retirement are tax-free. Ideal if you think your tax rate may be higher in the future.⁠
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Each has unique benefits—your choice depends on where you see yourself at retirement! 🌟 "

"A Rollover IRA lets you move funds from a workplace retirement plan into an IRA—tax-free! 🔄 This keeps your retirement savings growing and gives you more control over your investments. Perfect for when you’re switching jobs or retiring! 🌟 "

There’s no “right” age to open an IRA, but starting sooner can be a game-changer! 🌱

In Your 20s or 30s: You have time on your side! Contributions can grow exponentially with compound interest over decades.

In Your 40s or 50s: It’s not too late! Contributing to an IRA can provide valuable tax benefits now while building retirement savings for later.

The earlier you start, the more your money can grow, but any age is the right age to secure your financial future! 💼 "

"Rolling over your retirement funds? 🔄 A rollover lets you move money from one retirement account to another without tax penalties, keeping your investments growing and your future secure! 🌟 Let’s make your money work smarter. "

"Build a legacy that lasts! 💼💰 Protect your family’s future with smart investments today. Every step you take now is a step toward security and growth for generations to come. 🌱 "

💼 What is a Fund of Funds?⁠
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A Fund of Funds (FoF) is an investment strategy that pools money into a portfolio of other funds rather than individual securities. It offers:⁠
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📊 Diversification across multiple asset classes⁠
📈 Expert management from various fund managers⁠
⚖️ Reduced risk by spreading investments across multiple funds⁠
It's a great way to access a broad range of investments while leaving the heavy lifting to the pros!⁠
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We are excited to introduce Dilip John as the newest Senior Business Advisor at M&A Wealth! With experience from top firms like Goldman Sachs, Wells Fargo, and JP Morgan Chase, Dilip brings valuable expertise in bridging institutional investing with individual clients.
His focus on building strong relationships and understanding client goals will help us better serve our community.
Please join us in welcoming Dilip to the M&A Wealth family! We can’t wait to see the impact he’ll make! 🚀

💡 What is Tax Deferral?

Tax deferral lets you postpone paying taxes on income or investments until a later date. This allows your money to grow tax-free in the meantime, potentially increasing your wealth over time. Examples include:

🏦 401(k) and IRAs
🏢 Real Estate Exchanges
💼 Annuities
Enjoy the benefits of compounding growth now and pay taxes later!

💡 Take Control of Your Retirement with a Self-Directed IRA!⁠
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With a Self-Directed IRA, you can invest in:⁠
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🏠 Real Estate⁠
💼 Private Equity⁠
🏦 Private Loans⁠
📈 Cryptocurrency⁠
🛢️ Commodities⁠
The possibilities are endless, and YOU get to choose how to grow your wealth. Ready to explore more than just stocks and bonds?⁠
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🔑 Empower your future by diversifying your retirement funds!⁠
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💼 Did You Know? You Can Hold Alternative Investments in an IRA!⁠
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🌱 Think beyond stocks and bonds! Your IRA can include:⁠
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Real Estate⁠
Private Equity⁠
Precious Metals⁠
Cryptocurrency⁠
Private Loans⁠
Diversify your retirement portfolio with assets that go beyond the usual. Explore new growth opportunities with alternative investments!⁠
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💡 Traditional IRA vs Roth IRA: What's the Difference?⁠
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📈 Traditional IRA:⁠
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Contributions are tax-deductible now.⁠
Pay taxes when you withdraw in retirement.⁠
Ideal if you expect to be in a lower tax bracket in the future.⁠
💰 Roth IRA:⁠
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Contribute after-tax dollars (no tax deduction upfront).⁠
Withdraw tax-free in retirement.⁠
Great if you think you'll be in a higher tax bracket later.⁠
Both can be powerful tools for retirement savings, but which is best for you depends on your financial future!⁠
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💼 4 Ways a Business Owner Can Reduce Taxes with a 401(k) Plan

1.Employer Contributions: Deductible contributions reduce your taxable income.
2.Profit Sharing: Add flexibility and potentially reduce taxes with profit-sharing contributions.
3.Solo 401(k): Maximize contributions if you're a small business owner or self-employed.
4.Tax-Deferred Growth: Investments grow tax-free until withdrawn, reducing current-year taxes.

Take advantage of these strategies to lower your tax burden while building retirement savings!

&AWealth

💡 IRA vs. 401(k): What Savers Should Know

Both IRAs and 401(k)s are great tools for retirement, but here’s what sets them apart:

401(k): Employer-sponsored, higher contribution limits, often includes employer match.
IRA: Open on your own, more investment flexibility, but lower contribution limits.
Diversifying between the two can offer the best of both worlds! Make sure to maximize your retirement strategy.

&AWealth

💼 Is the Tax Preference of Your 401(k) Safe?

With ongoing changes in tax laws, many wonder if their 401(k) tax benefits are secure. While current rules offer tax-deferred growth and potential tax breaks, future legislation could impact these advantages.

It’s important to stay informed and plan ahead to protect your retirement savings.

Need advice on safeguarding your 401(k)? We’re here to help!

&AWealth