a:4:{s:8:"template";s:10276:"<!DOCTYPE html>
<html lang="en-US">
<head>
<meta charset="utf-8"/>
<meta content="width=device-width, initial-scale=1" name="viewport"/>
<link href="http://gmpg.org/xfn/11" rel="profile"/>

<title>{{ keyword }}</title>

<style id="cleanwp-maincss-css" media="all" rel="stylesheet" type="text/css">

/* Reset
-------------------------------------------------------------- */
html,body,div,h1,h2,a,ul,li,footer,header,nav {
    border: 0;
    font-family: inherit;
    font-size: 100%;
    font-style: inherit;
    font-weight: inherit;
    margin: 0;
    outline: 0;
    padding: 0;
    vertical-align: baseline;
}

html {
    font-family: sans-serif;
    font-size: 62.5%;
    overflow-y: scroll;
    -webkit-text-size-adjust: 100%;
    -ms-text-size-adjust: 100%;
}

*,*:before,*:after {
    -webkit-box-sizing: border-box;
    -moz-box-sizing: border-box;
    box-sizing: border-box;
}

body {
    background: #fff;
    line-height: 1;
}

footer,header,nav {
    display: block;
}

ul {
    list-style: none;
}

a {
    background-color: transparent;
}

a:focus {
    outline: thin dotted;
}

a:hover,a:active {
    outline: 0;
}

button {
    color: inherit;
    font: inherit;
    margin: 0;
}

button {
    overflow: visible;
}

button {
    text-transform: none;
}

button {
    -webkit-appearance: button;
    cursor: pointer;
}

button::-moz-focus-inner {
    border: 0;
    padding: 0;
}

/* Typography & Elements
-------------------------------------------------------------- */
body,button {
    color: #161514;
    font-family: Lora,Arial,sans-serif;
    font-size: 14px;
    line-height: 1.6;
}

button {
    max-width: 100%;
}

body {
    background: #717171;
}

a {
    color: #C90000;
    text-decoration: none;
    outline: none;
}

a:hover {
    color: #111111;
    text-decoration: none;
}

a:focus {
    outline: none;
}

h1,h2 {
    clear: both;
    font-family: 'Raleway',Arial,sans-serif;
    font-weight: 700;
    line-height: 1;
    margin: .6em 0;
}

h1 {
    font-size: 36px;
}

h2 {
    font-size: 24px;
}

ul {
    margin: 0 0 1.5em 3em;
}

ul {
    list-style: disc;
}

/* Clearings & Accessibility
-------------------------------------------------------------- */
.clear {
    clear: both;
}

.clearfix:before,.clearfix:after {
    content: " ";
    display: table;
}

.clearfix:after {
    clear: both;
}

.screen-reader-text {
    clip: rect(1px,1px,1px,1px);
    position: absolute!important;
    height: 1px;
    width: 1px;
    overflow: hidden;
}

.screen-reader-text:focus {
    background-color: #f1f1f1;
    border-radius: 3px;
    box-shadow: 0 0 2px 2px rgba(0,0,0,0.6);
    clip: auto!important;
    color: #21759b;
    display: block;
    font-size: 14px;
    font-weight: 700;
    height: auto;
    left: 5px;
    line-height: normal;
    padding: 15px 23px 14px;
    text-decoration: none;
    top: 5px;
    width: auto;
    z-index: 100000;
}

/* Forms
-------------------------------------------------------------- */
button {
    font-size: 100%;
    margin: 0;
    vertical-align: baseline;
}

button {
    border: 1px solid;
    border-color: #ccc #ccc #bbb;
    border-radius: 3px;
    background: #e6e6e6;
    -webkit-box-shadow: inset 0 1px 0 rgba(255,255,255,0.5),inset 0 15px 17px rgba(255,255,255,0.5),inset 0 -5px 12px rgba(0,0,0,0.05);
    -moz-box-shadow: inset 0 1px 0 rgba(255,255,255,0.5),inset 0 15px 17px rgba(255,255,255,0.5),inset 0 -5px 12px rgba(0,0,0,0.05);
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.5),inset 0 15px 17px rgba(255,255,255,0.5),inset 0 -5px 12px rgba(0,0,0,0.05);
    color: rgba(0,0,0,.8);
    cursor: pointer;
    -webkit-appearance: button;
    font-size: 12px;
    line-height: 1;
    padding: .6em 1em .4em;
    text-shadow: 0 1px 0 rgba(255,255,255,0.8);
}

button:hover {
    border-color: #ccc #bbb #aaa;
    -webkit-box-shadow: inset 0 1px 0 rgba(255,255,255,0.8),inset 0 15px 17px rgba(255,255,255,0.8),inset 0 -5px 12px rgba(0,0,0,0.02);
    -moz-box-shadow: inset 0 1px 0 rgba(255,255,255,0.8),inset 0 15px 17px rgba(255,255,255,0.8),inset 0 -5px 12px rgba(0,0,0,0.02);
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.8),inset 0 15px 17px rgba(255,255,255,0.8),inset 0 -5px 12px rgba(0,0,0,0.02);
}

button:focus,button:active {
    border-color: #aaa #bbb #bbb;
    -webkit-box-shadow: inset 0 -1px 0 rgba(255,255,255,0.5),inset 0 2px 5px rgba(0,0,0,0.15);
    -moz-box-shadow: inset 0 -1px 0 rgba(255,255,255,0.5),inset 0 2px 5px rgba(0,0,0,0.15);
    box-shadow: inset 0 -1px 0 rgba(255,255,255,0.5),inset 0 2px 5px rgba(0,0,0,0.15);
}

/* Layout
-------------------------------------------------------------- */
#wrapper {
    margin: 0 auto;
    position: relative;
}

#content {
    padding: 15px;
    width: 1030px;
    margin: 0 auto;
    background: #faf9f5;
    border-bottom: 1px solid #ddd;
}

/* Header
-------------------------------------------------------------- */
#masthead {
    background: #faf9f5;
    margin: 10px auto 0;
    padding: 10px 15px 10px 15px;
    width: 1030px;
}

#site-top {
    margin: 0;
    position: relative;
    overflow: hidden;
}

#blogname {
    margin: 0 0 10px 0;
    padding: 0;
    overflow: hidden;
}

.site-title {
    margin: 0 0 10px 0;
    text-align: center;
    font-size: 36px;
    font-weight: bold;
    color: #000000;
}

.site-title a {
    display: block;
    color: #000000;
}

.site-description {
    margin: 0 0 0 0;
    text-align: center;
    font-size: 18px;
    font-weight: bold;
    color: #000000;
}

.header-social-icons {
    font-family: Lora;
    font-size: 20px;
    padding: 10px 0 10px;
    text-align: center;
    line-height: 1;
}

/* Menu
-------------------------------------------------------------- */
.main-navigation {
    background-color: #777;
    display: block;
    padding: 0 10px;
    font-family: 'Raleway';
}

.main-navigation ul {
    list-style: none;
    margin: 0;
}

.main-navigation li {
    float: left;
    padding: 0;
    position: relative;
}

.main-navigation a {
    color: #fff;
    display: block;
    font-size: 13px;
    font-weight: bold;
    text-decoration: none;
    text-transform: uppercase;
    -webkit-transition: all .2s ease;
    transition: all .2s ease;
    padding: 10px;
}

.main-navigation a:hover {
    color: #ccc;
}

.menu-toggle {
    cursor: pointer;
    display: none;
}

@media screen and (max-width: 1049px) {
.menu-toggle {
    font-family: 'Raleway';
    font-weight: bold;
    background: none;
    border: none;
    -webkit-border-radius: 0;
    -moz-border-radius: 0;
    border-radius: 0;
    -webkit-box-shadow: none!important;
    -moz-box-shadow: none!important;
    box-shadow: none!important;
    color: #fff;
    display: block;
    font-size: 16px;
    margin: 0 auto;
    padding: 10px;
    text-align: center;
    text-shadow: none;
    text-transform: uppercase;
    width: 100%;
}

.menu-toggle:before {
    display: inline-block;
    font-family: FontAwesome;
    font-size: 16px;
    font-weight: normal;
    line-height: 1;
    vertical-align: text-bottom;
    -webkit-font-smoothing: antialiased;
    content: "\f0c9";
    margin-right: 12px;
    position: relative;
    top: -2px;
}

.menu-toggle {
    display: block;
}

.main-navigation {
    color: #fff;
    padding-right: 1em;
    padding-left: 1em;
}

.main-navigation ul {
    display: none;
}

.main-navigation ul a {
    font-size: 16px;
    text-transform: uppercase;
}

.main-navigation ul li {
    border-top: 0px dotted #5d5c5c;
    float: none;
    padding: 0;
}

.main-navigation ul li:first-child {
    border-top: 0;
}
}


.site-footer {
    width: 1030px;
    margin: 0 auto;
    padding: 20px 0 20px 0;
    background: #ddd;
    font-size: 90%;
}

.site-footer a:link,.site-footer a:visited {
}

.site-footer a:hover {
}

.site-info {
    text-align: center;
    line-height: 16px;
}


@media only screen and (max-width: 1049px) {
#content {
    width: 100%;
}

#masthead {
    width: 100%;
    padding: 10px 0 10px 0;
}

.site-title {
    padding-left: 10px;
    padding-right: 10px;
}

.site-description {
    padding-left: 10px;
    padding-right: 10px;
}

.site-footer {
    width: 100%;
}

.site-info {
    width: 100%;
}
}</style>
<style id="font-awesome-css" media="all" rel="stylesheet" type="text/css">/*!
 *  Font Awesome 4.5.0 by @davegandy - http://fontawesome.io - @fontawesome
 *  License - http://fontawesome.io/license (Font: SIL OFL 1.1, CSS: MIT License)
 */@font-face{font-family:'FontAwesome';src:url() format('embedded-opentype'),url(),url(),url(),url();font-weight:normal;font-style:normal}
</style>
<link href="//fonts.googleapis.com/css?family=Lora:400,700,400italic,700italic|Raleway:700,900,400,300&amp;subset=latin,latin-ext" id="cleanwp-webfont-css" media="all" rel="stylesheet" type="text/css"/>


<style type="text/css">
                                                                           		.entry-title a:hover {color: #444444}
                                                                                                                                                      															.entry-read-more {display: none;}
			</style>
<style id="custom-background-css" type="text/css">
body.custom-background { background-color: #777777; }
</style>
</head>
<body class="custom-background">
<div id="wrapper">
<a class="skip-link screen-reader-text" href="#">Skip to content</a>
<header class="site-header" id="masthead" role="banner">
<div id="site-top">
<div id="blogname">
<div class="site-branding">
<h1 class="site-title"><a href="#" rel="home">{{ keyword }}</a></h1>
<h2 class="site-description">The Internet It Just Gives and Gives and Gives.</h2>
</div>
</div>
<div class="header-social-icons">
</div>
</div>
<nav class="main-navigation clearfix" id="site-navigation" role="navigation">
<button aria-controls="primary-menu" aria-expanded="false" class="menu-toggle">Menu</button>
<div class="menu" id="primary-menu"><ul><li><a href="#">Home</a></li></ul></div>
</nav>
</header>
<div class="site-content" id="content">

{{ text }}

<div class="clear"></div>
</div>
</div>
<footer class="site-footer" id="colophon" role="contentinfo">
<div class="site-info">
  Copyright  2017 {{ keyword }} | <a href="#">Design by ThemesDNA.com</a>
</div>
<div class="clear"></div>
</footer>

</body>
</html>";s:4:"text";s:3875:"Employers already have a fiduciary duty to their workers.) There's a "type" of 401(k) plan referred to as a profit sharing plan. What's in it for them? When a company contains only one employee, the plan is commonly called a Solo 401(k) plan. A 401(k) plan must satisfy certain requirements regarding when benefits vest.  Distribution Rules. The distribution rules for 401(k) plans differ from those that apply to IRAs. 401(k) Coverage and Eligibility Basics. The requirements for a 401(k) plan under the code range from technical testing mandates, such as not discriminating in favor of those employees considered to be "highly compensated," to failures to follow the terms of the plan document. Start saving for your solo 401(k) today. A 401(k) plan enables employees to save for retirement without paying income tax on those monies if elected. We've got individual 401(k) plans for self-employed workers and small businesses for maximum retirement savings. Get the personal advice you need to manage your 401(k) like a pro, or let us do the hard work for you. A 401(k) is a retirement savings plan sponsored by an employer. Contributions to 401(k) and other employer retirement plans are intended to be used for retirement, and as a result, 401(k) plans often have restrictions against withdrawals until an employee retires (or at least, separates from service). For one thing, the job market often demands it. 7/17/2014 1 Safe Harbor 401(k) Plans With Robert M. Kaplan, CFP, CPC, QPA, APA AGENDA The Basics Getting Started Documentation and Disclosure Most fiduciaries and employers want to do the right thing but, as the DOL notes, inadvertent mistakes can create To vest means to acquire ownership. Why would employers offer 401(k) plans? An employer may also develop liabilities related to the plan under the Internal Revenue Code. The vested percentage is the participants percentage of ownership in his or her account. 401(k) Advice and Management. To be a 401(k) 'millionaire,' you've gotta be smart about money. The requirements could have a great shaming effect. This diversified mix will, over time, perform well." If the plan offers a foreign REIT, buy both. In this article, well look at some of the key benefits 401(k)s provide to both employees and employers, as well as some important practical considerations. As with a safe harbor 401(k) plan, the employer is required to make employer contributions that are fully vested. The Benefit. IRS Approves Mandatory 401(k) Contributions, if Appropriate Notice is Provided to Plan Participants. Employers are allowed to automatically enroll their employees in 401(k) plans, requiring employees to actively opt out if they do not want to participate (traditionally, 401(k)s required employees to opt in). Marlene Satter | March 20, 2018. Female 401(k) millionaires savvy on savings. The employer is usually not required to make ... possible contributions to a 401(k) plan. Many 401(k)s are now offering a real estate option in the form of a REIT. Solo 401(k) Plan - A 401(k) plan can be established for a single person company or for a company with many employees. Many employers will match a portion of your 401(k) or 403(b) contributions; try to take advantage of this benefit whenever possible ... Is Human Interest a good fit for your 401(k)? Taxes arent paid until the Why do employers offer 401(k) ... What are the requirements of a 401(k) plan? New 401(k) rules in effect: What you need to know. This is an excellent way to diversify. The Basics of a 401(k) Retirement Plan ... when computing the maximum possible contributions to a 401(k) plan. It lets workers save and invest a piece of their paycheck before taxes are taken out. This type of 401(k) plan is available to employers with 100 or fewer employees who received at least $5,000 in compensation from the employer for the preceding calendar year. ";s:7:"keyword";s:32:"401 k requirements for employers";s:7:"expired";i:-1;}