Lord Wealth Management - Nadine M Lord EA CFP®
2018 Retirement Plan Contribution Limits 
(income limits apply)
  • Traditional & Roth IRA Contribution $5,500, $6,000 for 2019 (Catch-up $1,000 age 50+), 
  • Simple IRA $12,500. $13,000 for 2019 (Catch-up for 50+ $3,000 age 50+)
  • SEP IRA $55,000, $56,000 for 2019 (SEP compensation exclusion $600)
  • 401K Elective Deferrals $18,500, $19,000 for 2019 (Catch-up for 50+ $6,000)
  • Profit Sharing $55,000, $56,000 for 2019
  • Money Purchase Plan $55,000, $56,000 for 2019
  • Defined Benefit $220,000 - based on average SE earnings and other factors, limits apply, $225,000 for 2019 
  • Other compensation limits apply

Want to make the most out of your Social Security Benefit Selection? 

When you elect to take Social Security is one of the biggest decisions you will make about your retirement.  The difference between making the right election decision and a poor one could be $100,000 in income.
Click here to access a free calculator to determine which election choice(s) would be best for you.


Retirement Plans for Today's Small Business Owner

When it comes to Retirement Plans, there are Individual Plans, such as a Traditional or Roth IRA, and there are Employer-Sponsored Plans, such as Defined Contribution or Defined Benefit Plans.  Each of these plans are limited as to the amount you can put into the plan (the Contribution), or some cases, what is projected that you can take out of the plan (the Benefit). Employer-Sponsored Plans could be one of two types, or a combination thereof.

To read more about Employer-Sponsored Retirement Plans, you can read IRS Publication 560 (Retirement Plans for Small Business) or visit the IRS Website at http://www.irs.gov.

Give us a call.   We can assist you in comparing the costs and the benefits of each plan and to determine which plan may be best for you and your employees.

Nadine Lord Divan EA, CFP®
30021 Tomas, Suite 300
Rancho Santa Margarita CA 92688
Ph 949-766-7808
Toll Free 800-350-1299
Fax 949-766-7809

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