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Retirement savings 101

Learn more about how retirement savings can immediately impact your wallet now, and in the future.

Getting started

Investing small amounts over time can add up quickly, thanks to capital gains and compound interest. If you’re new to retirement planning, it’s not as complicated as it may appear.

We’ve covered the basics for you, and we’re happy to discuss your options directly. Feel free to call, chat with us, or email a retirement savings expert.

Then vs. now

Making a dent in the 40 million

Then: Retirement plans were reserved almost exclusively for large businesses due to their high costs. As a result, over 40 million American workers have been negatively impacted by a lack of workplace savings.

Now: Ubiquity offers budget-friendly options to help you take charge of your future, whether you need a retirement plan for your small business and your employees, or just yourself.

You can also have more than one type of plan to help you build a stronger portfolio, such as a 401(k) along with an Individual Retirement Account (IRA). Simply pick and choose from Ubiquity’s retirement plan options to get just the right solution for you.

And remember that we are just a phone call away whenever you need help.

Get to know your options

Find your retirement savings plan.


Let’s talk benefits

What to expect from your retirement savings.


The 401(k)

Offering the greatest savings potential for your business.

A 401(k) plan allows you and your employees (if you have them) to save for retirement and lower your taxable income by contributing money on a pre-tax basis. That means you’ll get less of a tax bite on your annual salary in the short term, while your long-term investments grow tax-free until you’re ready to retire.

Here’s a look at your potential tax-deferred savings with a 401(k) plan:


employee contribution

max amount you can put away in 2017 plus $6,000 more if age 50 or older



employer contribution

max amount you can put away in 2017 plus $6,000 more if age 50 or older


total contribution limit per individual

max amount you can put away in 2017 plus $6,000 more if age 50 or older


The simplest solution for individuals and for business

An Individual Retirement Account (IRA) enables you to contribute to your plan from your payroll, or through an ACH with your bank account as an individual. There is an option to contribute to either a Traditional IRA or a Roth IRA. Use this infographic to learn more about the differences between the two:

Traditional IRA

Enjoy tax-deferred growth and pay taxes only when you withdraw the money.

If you withdraw the money before age 59 1/2 you may face a penalty.

The April following the year that you turn age 70 1/2, you are required to start taking withdrawals.

There is a maximum contribution limit of $5,500 for 2017 ($6,500 for those 50 years or older).


Roth IRA

Pay taxes before you invest your money and withdraw when it’s time without penalty.

Money can be withdrawn tax-free and penalty-free as long as certain conditions are met.

You may continue to save after 70 1/2 if you have earned income.

There is a maximum contribution limit of $5,500 for 2017 ($6,500 for those 50 years or older).

Do it yourself savings

Lower your taxable income and achieve greater financial security.

While there are immediate benefits to be had with a retirement plan, the biggest payoff will come later on when you’re ready to start withdrawing the money at retirement age.

Your future self will thank you

Give yourself the gift of financial security by taking just a few easy steps. For minimal cost and effort, your golden years will have a greater chance of living up to their name.

Pay more to yourself and less to Uncle Sam

Retirement planning is not just about the long-term gains. No matter what type of retirement plan you have, there may be significant tax benefits available to you, both now and in the future.

The earnings on the money you put away in a traditional 401(k) or IRA are tax-deferred, meaning you’ll pay no taxes on that money until you start withdrawing it at retirement age. Plus, you’ll lower your taxable income.

In the case of a Roth plan, you won’t pay taxes at all on your earnings on investments.

A simple way to invest in your future

You can have a retirement plan that’s managed almost entirely online. In fact, with a work-sponsored plan, contributions are deducted directly from your payroll, giving you an automatic savings program.

It pays to save

The government offers a tax credit of up to $1,000 (or $2,000, if filing jointly) for low- to moderate-income workers who contribute to a qualified employer-sponsored retirement plan. You can read more about this on the IRS website.

Benefits for your business

Putting a retirement plan in place through your small business is one of the smartest long-term investments you make.

Not only will you have happier employees by offering them this benefit, but you’ll also get the opportunity to save money, both for your business and your own nest egg.

Attract and retain talent

A retirement plan is one of the most sought after benefit options among American workers, second only to healthcare. Offering this benefit will help you attract and retain key talent, providing you with a stronger workforce for your business.

Reap the tax rewards

If this is your company’s first retirement plan, your small business may qualify for a small business tax credit of up to $500 per year for the first three years of the plan. This could cut the cost of your plan by as much as half.

No-hassle retirement solutions

You could have a web-based retirement plan up and running for your business within days, not weeks. And with an online solution, very little ongoing maintenance is needed, so it doesn’t have to take you away from your other responsibilities.

In fact, in the case of a payroll deduction IRA, there isn’t even any IRS compliance testing required. The plan practically runs itself.

Save through tax deductions

An employer match or profit-sharing contribution is not mandatory, but if you choose to include this with your 401(k) plan, your employer contributions are tax-deductible.

Watch Broken Eggs

Watch Broken Eggs

Watch our hard-hitting feature-length documentary about the looming retirement crisis in America and share it with your loved ones. (FOR FREE)


How small change compounds into successful retirement

How much can you save by not drinking that latte? Or having one less lunch out? Find out with this calculator that shows you how small change can build up to huge retirement savings.

Getting started

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We all need a plan for the future.

Get started on a retirement savings plan, today. We’ve got experts available anytime you’re ready to talk.

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