Category: 401k Resources

Find easy to understand 401k Resources and information from Ubiquity Retirement + Savings. Find easy to understand rules and regulations, along with tips and advice from our team of 401k experts. Free consultation! Call Ubiquity today at 855.466.5825


Is your company a learning organization? Does it strive to review, analyze and incorporate new thinking? At Ubiquity Retirement + Savings, we strive to create an inclusive culture of learning that everyone can participate in. That’s why we started our book club back in 2013, to strengthen our community, and encourage new ways of thinking. 

“A learning organization is the term given to a company that facilitates the learning of its members and continuously transforms itself.” – Mike Pelder

In a previous article, I had interviewed Professor Michael Finnegan of Quantum Camp, who agreed that critical thinking is not a common skill these days.

As a company, we want to change that.

Jim Collins’ “Good to Great”, Jonah Berger’s “Contagious”, Eric Ries’ “The Lean Startup” – these are just a sampling of the books we have chosen to read together. We believe that a learning organization goes beyond just having classes. Learning is built into the culture of our company.

Everyone here is invited to participate in the book club and anyone who participates is expected to read a book and examine the ideas its puts forth and bring his or her observations and insights to the table when we meet.

We carefully see what makes sense for our clients, our company, our goals and choose what we take with us into the future and what we leave behind.

This fosters another set of our values, community and participation.

Each person lending her or his voice to the chorus, sustaining the song, this is OUR way.

Roth and Your 401k

Andrew Answers / 11 Dec 2016 / 401k Resources

Pre-tax, and post-tax, and provisions! Confused by the retirement industry’s financial jargon? You are not alone. This episode of Andrew Answers defines what Roth means and how it affects your 401k plan.

You asked I answered!

Rolling over all your old 401k accounts into one sounds like a huge hassle, but one (like saving) is worth the trouble. While every provider has a slightly different process, the same things basically happen. Take a few minutes today to find out what those are and get moving on simplifying your life. After all, managing one account is far better than managing many!

The retirement industry is full of options. You can have flexibility on so many things that it may not be clear to the small business what to chose and from whom. In this episode of Chad Chats, from Ubiquity Retirement + Savings, formerly The Online 401k, you will learn what features make a great plan. Every small business is different, but that doesn’t mean your retirement plan has to be complicated. From investments to plan design, Chad gives you tips on what to ask for when you’re setting up your company’s new retirement account. If you have an existing one, you may learn something that will make managing your current plan even easier.

Here’s to you, small business owner, for setting up the right retirement plan for you and your employees!

A throwback to Ubiquity Retirement + Savings’ history, here, we get a glimpse at the genesis of our company that started as The Online 401k.

“In the first episode of Chad Chats, I recount how and why I started The Online 401k. My mission: to help the 40 million Americans who do not have the ability to save at work. Take less than two minutes and check out the video below!”

Fetch! Sit! Rollover?

Andrew Answers / 13 Jan 2012 / 401k Resources


When asked by friends or colleagues for advice about their 401ks, I’m finding that the topic of rollovers is a common one. There are always questions about rollovers because so many just don’t know what to do.

Let’s take a look at a recent inquiry I received via Facebook:

So, I have a question. I have a 401k that I rolled over into an IRA at my credit union from a previous employer. In the chance that I am employed by a business that offers a retirement plan, how will I know which one to put my money into? I plan on maxing out my contributions – ’cause I gots some catchin’ up to do.

This is a great question. And it’s timely since this person is looking for a job, which definitely speaks to the state of today’s employment rates and economy. Above all, it’s a question I’ve had a few times.

Bottomline: Should I roll over my money to my new company’s retirement plan or leave it where it is?

I know I need to tread lightly in my response. Yes, I’ve been doing this a long time. Yes, I get excited about it. No, I don’t want to turn them off or bore them with my ramblings.

Rather than telling someone what to do, I’d rather err on the side of letting folks know what to evaluate to make their own decision. Every plan is different in design and offerings. And yes, this will take some work on your behalf, but I’ll tell you exactly what to do.

Step 1: The funds. Your biggest cost in moving your money will be the funds. Look at the funds your old company has, research how much they cost in management fees (e.g., that pesky percentage coming out that’s NOT on your statement, so you need to be sure to ask about it). Then, look at the new plan. If the new one has higher fees, it had better be performing better, too!

Step 2: New plan rules. When you become newly employed, find out the details of eligibility and vesting. Why put money into a 401k plan before you’re eligible? That eligibility period is for you and the employer to make sure you’re at the right place, doing the right thing.

Step 3: Your money. Are you looking to roll over pre-tax or post-tax money? Your new plan may have the option to put Roth (post-tax) dollars away, so you should check with your employer. A traditional 401k will not accept post-tax money, so unless your new employer offers a Roth option, you may be better off with a Roth IRA.

This conversation can go in many directions after that, but these are just some basics to be aware of. There may even be other options for you that I’ve not listed. In the end, do your homework, know your options, and just think about what’s best for you.

If you have any questions, don’t hesitate to reach out to me here or on Twitter, @coolest401kguy.


Read the Definitive Guide to Small Business 401k
Download Your 401k Guide Now

© 2020 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

Facebook Twitter LinkedIn YouTube

© 2020 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

Credit Card Logos