United Workers Retirement Plan

Roth and Traditional IRAs serve different purposes in #retirement planning, with variations in tax benefits and contribution rules. Understanding how they work can help you make the choice that fits your financial situation. ???? ???? Explore your options to plan for a more secure future! #UWRP #RetirementPlanning #FinancialLiteracy #PersonalFinance #RetirementSavings #TaxPlanning #FinancialGoals #RetirementStrategies #RothIRAs #TraditionalIRAs

Comparing #retirement plan options? ?? While traditional 401(k) plans can be costly and complex for small businesses, Pooled Employer Plans (#PEPs) offer a cost-effective, simplified alternative. ? Explore the differences between a PEP and a traditional 401(k) plan and take the first step toward offering competitive benefits with ease! #UWRP #PEP #401kplans #smallbusinesses #retirementplans #financialsecurity #employeebenefits #retirementgoals

Want to provide your #employees with a 401(k) plan but worried about the cost or complexity of setting one up on your own? Enter the Pooled Employer Plan (#PEP)—a game changer for #smallbusinesses! ?? With a PEP, you can: 1?? Save on Costs & Fees: By pooling together with other small businesses, you share administrative fees, making a 401(k) plan affordable, even for smaller teams. 2?? Attract & Retain Talent: Offering a retirement plan shows you’re invested in your employees' future. A 401(k) can be a powerful tool for employee satisfaction and retention. 3?? Simplify Administrative Workload: Say goodbye to complicated paperwork and compliance headaches. PEPs handle most of the admin work, so you can focus on running your business. 4?? Flexible Options for Your Team: Your employees still get the same benefits as those in larger companies—like tax-deferred contributions, employer matching, and diverse investment choices! A PEP lets you provide the #retirement benefits your team deserves—without the heavy lifting. ??? #UWRP #smallbusiness #401kplan #employeebenefits #retirementplans #businessgrowth #smallbusinesssolutions #retirementbenefits

??#Retirement is the time to enjoy the fruits of your labor, but it’s also important to manage your withdrawals wisely to minimize the #tax impact. Here are some strategies to help you keep more of your hard-earned money in your pocket: ?? Start with Roth Accounts - Withdraw from Roth IRAs and 401(k)s first to enjoy tax-free income. ?? Use Taxable Accounts Early - Tap into taxable investments first to minimize taxes on gains. ?? Diversify Your Accounts - Keep a mix of Roth, traditional, and taxable accounts for flexibility. ?? Convert to Roth IRAs - Shift funds to Roth IRAs now for tax-free withdrawals later. ? Withdraw Before RMDs - Take money from traditional accounts early to reduce future taxes. By planning ahead and using these strategies, you can stretch your retirement funds further while keeping your tax bill low. #UWRP #retirementplanning #taxes #taxsavings #smartwithdrawals #RothIRA #financialtips #wealthmanagement #retirementstrategy

??Planning for #retirement? Consider a Pooled Employer Plan! When it comes to retirement savings, the future can feel uncertain, but Pooled Employer Plans (PEPs)are helping small to mid-sized businesses by offering a cost-effective, flexible solution for employees' retirement goals! Why choose a PEP? ?? Cost-Effective:Pooling resources with other employers reduces administrative and fiduciary burdens, keeping costs down for everyone. ?? Access to Better Investment Options:PEPs give employees access to institutional-quality investment options, improving retirement outcomes. ? Compliance Made Easy:With professional oversight, businesses get help navigating complex retirement plan regulations — saving time and reducing risk. Empower your team with a strong retirement plan — one that provides security, flexibility, and peace of mind. Learn more about how Pooled Employer Plans can help your business and employees thrive in retirement: https://unitedwrp.com/. #UWRP #RetirementPlanning #PEP #WorkplaceRetirement #SmallBusinessSolutions #EmployeeBenefits #FinancialSecurity #RetirementGoals

#SocialSecurity is a vital part of #retirement for many, but have you explored how to build a more secure financial future beyond it? Discover strategies like maximizing benefits, utilizing retirement accounts, and more in our latest article below! #UWRP #SocialSecurityCheckDay #retirementplanning #financialsecurity #benefits #401kplans #money #savings

Delayed retirements impact workforce dynamics and costs, making it crucial to plan ahead. Solutions like HSAs and annuities can help #employees to retire confidently and on time. ?? Learn how these strategies can optimize your organization's retirement plan design: https://lnkd.in/g_Wa2MM2 #UWRP #EPICRPS #retirementplanning #retirement #finances #plansponsors #employers #401k

The SECURE 2.0 Act of 2022 introduces significant changes for #employers in 2025, including mandatory automatic enrollment for new #retirementplans and growing state-level #retirement mandates. Is your organization prepared? ?? Learn more about what these changes mean for your workforce and #compliance. #UWRP #retirement #employees