Self Directed Retirement Plans

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Self Directed Retirement Plans's title: Self Directed Retirement Plans | Take Checkbook Control of Your IRA

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A 401 (k) summary plan description is a plain-language guide to your retirement plan.
It explains eligibility, benefits, vesting, fees, and your ERISA rights.
Employers must give you the SPD automatically and update it when rules change.
You can use it to plan contributions, understand distribution re...

401(k) nondiscrimination testing ensures fairness. IRS rules confirm that retirement plans don’t favor owners or highly compensated employees.
Failing tests risks tax benefits. Noncompliance can cost your plan its qualified status and valuable tax advantages.
Key IRS tests include coverage, ADP, ACP, and general nondiscriminatio...

A self-directed brokerage account (SDBA) is a “window” in your retirement plan that lets you invest in more options.
It gives you more freedom, control, and diversification than your plan’s default lineup.
With that freedom comes risk, higher fees, and more responsibility for your choices.
An SDBA is not the same as a S...

A 401(k) trustee is legally responsible for safeguarding plan assets and ensuring compliance with ERISA rules.
Trustees oversee contributions, monitor investments, and act in the best interest of plan participants.
There are two types of trustees: individual trustees (more personal liability) and corporate trustees (professional...

Do Employers Know When You Take a 401(k) Loan? Yes, your employer will know about your 401(k) loan, but only for payroll purposes.
Your privacy is protected. Co-workers and managers won’t know unless you share it.
Employers cannot penalize you for borrowing from your retirement account.
Risks include ta...