Found 29 articles.

What Is A SEP IRA?

April 2019

excerpt from an article published in US News in which Archie Ponce, Optima's Executive Vice-President, was quoted

A SEP IRA is designed to help self-employed individuals and small business owners and their employees save for retirement. “SEP IRAs provide the self-employed business owner the ability to contribute a potentially larger amount than a traditional or Roth IRA,” says Archie Ponce, a certified financial planner and executive vice president of Optima Asset Management in Dallas. For 2019, the maximum amount an employer can contribute is set at $56,000 or 25 percent of compensation. That's significantly more than the $6,000 to $7,000 limit for traditional and Roth IRA contributions.

SEP IRAs can provide significant tax savings to small business owners. “The tax benefits to the employer are tax-deduction and tax-deferral benefits for the self-employed individual personally,” Ponce says. Employers can also take tax deductions on a business level for contributions made on behalf of employees.

Before offering a SEP IRA to workers, you’ll want to check if they meet certain criteria. To be eligible for the account, employees must be at least 21 years old and have earned at least $600 in compensation during the current year. They also will need to have performed services for the company during three of the previous five calendar years. “Employers can be less restrictive on the eligibility but may not set requirements to be more restrictive,” Ponce says. So, if your employees meet the criteria, you’ll need to have an account for them. If they aren’t eligible and you still choose to include them in the plan, you may do so.

The article in it's entirety can be found here

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Applying Science to Investing

March 2019

An introduction to Dimensional for investors, this video underscores how science has transformed every aspect of our lives, including investing.

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Dimensional On Controlling What You Can Control

March 2019

Dave Butler, Head of Global Financial Advisor Services at Dimensional, recounts a personal story of how he came to view markets and investing early in his career.

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The Basics of Investing: How predictable are market returns (Part 3)

February 2019

The Basics of Investing: How predictable are market returns - (Part 3 of the 3-part series)

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Pursuing A Better Investment Experience

February 2019

Key Principles to Improving Your Odds of Investment Success

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The Basics of Investing: What are the different types of risk (Part 2)

January 2019

The Basics of Investing: What are the different types of risk (Part 2 of the 3-part series)

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The Vital Role of Rebalancing

January 2019

If there is a universal investment ideal, it is this: Every investor wants to buy low and sell high. What if we told you there is a disciplined process for doing just that, and staying on track toward your personal goals while you’re at it? Guess what? There is. It’s called rebalancing.

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The Basics of Investing: What are the different asset classes (Part 1)

December 2018

The Basics of Investing: What are the different asset classes (Part 1)

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A Focus on Fixed Income

November 2018

As an investor, what should you do to prepare if interest rates do continue to rise?

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Investing Insights: Investor Behavior (Part 4)

November 2018

Part 4 of the 4 part educational series highlighting how investor behavior can have the biggest impact on portfolio returns.

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