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What Investors Need to Know About Unrelated Business Income Tax (UBIT)

John Paul Ruiz, QKA, CISP

Estimated reading time: 2 minutes

Unrelated Business Income Tax (UBIT) was created by the congress to level the playing field for businesses established under the umbrella of a tax-exempt entity, not to have a competitive advantage over other businesses outside of a retirement plan. UBIT income comes from a trade or business, regularly carried on (showing frequency and continuity), that is not substantially related to the purpose of a retirement account. Both should shoulder their tax responsibility. In this article, we provide further information on the topic of UBIT:

Topics: Financial
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Understanding Stocks as a Retirement Investment Vehicle

John Paul Ruiz, QKA, CISP

Estimated reading time: 3 minutes

Many investors choose to diversify their portfolio and invest in numerous types of investments to mitigate risk. While mitigating risk is the main objective, there are some investors who choose to invest a portion of their investment portfolio in companies (and stocks) that have a larger potential for high returns. Knowing methods of how companies raise capital for growth and/or operational continuance gives investors knowledge into the different types of investments made available through companies. 

Let's take a look at the different types of stocks available for investors:

Topics: Financial
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Why Capturing Direct Rollovers is Essential in Today's Retirement Market

John Paul Ruiz, QKA, CISP

Estimated reading time: 3 minutes

With 6 million Americans still unemployed and over 78 million approaching retirement age, there are opportunities to capture rollovers from employer-sponsored plans. According to the Investment Company Institute, out of the 27.9 trillion dollars in retirement plans, comparatively there are 8.9 trillion dollars in Individual Retirement Arrangements (IRAs) and 7.7 trillion dollars in defined contribution plans (see graphic below). The increases of assets in IRAs are fueled by direct rollovers from employer-sponsored plans. To capture a share of the rollover market it is good to know the triggers or distributable events that allow for direct rollovers to occur. 

Topics: Financial
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6 Last-Minute Moves to Help you Save Before Tax Day

The Entrust Group

Estimated reading time: 2 minutes

Self-directed IRAs can provide you with significant tax advantages as well as allow you access to a wide range of alternative investments. Once you establish a self-directed IRA, you can begin making contributions for the previous tax year- up until the federal tax deadline of the current year. You still have time to make decisions that can improve your tax situation. This year's tax deadline date is near (April 17th, 2018). 

Topics: Financial
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The 4 Stages of Saving for Retirement and How to Prepare for Them 

John Paul Ruiz, QKA, CISP

Estimated reading time: 5 minutes

Many people don’t think about saving for retirement until the day they realize it is inevitable.  Many retire voluntarily while others are forced to retire involuntarily.  Whatever the situation may be, it’s good to understand the big picture for retirement so that one can plan for it. There are typically four life stages one has to consider when creating a strategy for saving for retirement.  According to recent studies, 78 million Americans hold the majority of the over 26 trillion dollars in retirement plan assets. 

Topics: Financial
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