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FAQs about 401(k)

Get the Basics on These Most Frequently Asked Questions About 401(k)

Ubiquity Retirement + Savings™ takes the pain out of 401(k) plans, by doing the heavy lifting for your small business.

Only Ubiquity gives small business owners access to 401(k) experts in addition to industry leading low flat-fees. Each sales expert has over a decade of experience assisting business owners in 401(k) plan design.

General

What’s the definition of a 401(k)?
I’m self-employed. How can a retirement 401(k) help me?
What are the differences between a 401(k) and Roth IRA retirement plans?
I’m a small business owner. Why should I offer my employees a 401(k)?
What’s a Safe Harbor Plan?
What’s the difference between 401(k) pre-tax contributions and Roth contributions?
How can a 401(k)-retirement plan help small businesses?
Can I use my 401(k) early?
What to do with an old 401(k)?
Traditional vs Safe Harbor 401(k)
Terminations
What is a 401(k) plan year?
What is an Elective Deferral Contributions?
What is a Defined Contribution Plan?

Distributions

What Are Distributions?
What Are Required Minimum Distributions?

IRA

What is an IRA?

About Single(k)

How do I set up and manage my Single(k) plan?
How does Single(k) work?
What is a Single(k)?
How much can I save in Single(k)?

Contributions

Does the “catch-up” contribution apply to me?
What is a contribution increase?

Getting Started

How long until my account is set up and ready to be funded?
How do I get started?
Do I have any recordkeeping or reporting obligations with Single(k)?

Roth 401(k)

How much may I contribute to my Roth account?
Can I make both pre-tax contributions and Roth (after-tax) in the same year?
What is a Roth 401(k)?

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44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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

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