Traditional vs. Roth 401(k) and how best to leverage an HSA
Employee Benefit News
JANUARY 15, 2025
Cash flow, tax bracket and timing of distributions will determine whether pretax or post-tax treatment of retirement savings makes more sense.
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Roth 401(k) vs. Roth IRA: What Is the Difference?
Patriot Software
OCTOBER 17, 2022
Two common retirement plans for employees are individual retirement arrangement/account (IRA) plans and 401(k) plans. Maybe you are considering establishing a Roth, or post-tax contribution, retirement plan. What is the difference between Roth IRA […] READ MORE.
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What is a 401(k) Plan and How Does it Work?
HR Digest
MARCH 28, 2023
It allows employees to save a portion of their pre-tax income for retirement. How does 401(k) work? Here’s how it works: When an employee enrolls in a 401(k) plan, they choose a percentage of their salary to contribute to the plan, up to a certain limit set by the Internal Revenue Service (IRS).
Roth IRA vs 401(K): Which Should You Choose?
HR Digest
JULY 9, 2022
First up: Roth IRA contributions. What is a Roth IRA? A Roth IRA is an individual retirement account (IRA) that allows you to invest pre-tax money, which means that any money you put into it isn’t taxed until you withdraw it — at which point it comes out tax-free. What is a 401(k) plan?
Congress passes SECURE 2.0 Act, making important changes to 401(k)s
Business Management Daily
JANUARY 5, 2023
Congress has chosen to pay for it by mandating that plans offering certain 401(k) features, like catch-up contributions, be made on an after-tax, Roth basis. Every mention of the word “Roth” will require significant adjustments to your payroll system to accommodate after-tax withholding. Fixing mistakes.
16+ types of employee benefits you should consider
Genesis HR Solutions
SEPTEMBER 22, 2020
Employees don’t pay taxes on this money, which means they save an amount equal to the taxes they would have paid on the money you set aside. Sometimes referred to in the same conversation as an FSA, an HSA is a savings account that lets employees set aside money on a pre-tax basis to pay for qualified medical expenses.
Employee Focused Retirement Plans
HR Professionals Magazine
SEPTEMBER 2, 2021
The age-old participant question: should I save Pre-tax or Roth? You may be surprised, or not, to hear that some plans don’t even offer the Roth option. The key between a Traditional or Roth 401(k) boils down to when the participant will pay taxes. But really, what is the difference?
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