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The financial planning timeline helps to identify potential strategies to prepare an and efficient plan. While individuals and families have unique financial goals and circumstances, these key dates provide a framework to help make better informed financial planning decisions.

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The financial planning timeline helps to identify potential strategies to prepare an and efficient plan. While individuals and families have unique financial goals and circumstances, these key dates provide a framework to help make better informed financial planning decisions.

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The Ultimate Retirement Plan Alternative

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A 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts.

Elective salary deferrals are excluded from the employee's taxable income (except for designated Roth deferrals).

Employers can contribute to employees' accounts.

Distributions, including earnings, are includible in taxable income at retirement (except for qualified distributions of designated Roth accounts).

See the 401(k) Resource Guide for details on 401(k) plans.

Choose a 401(k) Plan

Establish a 401(k) Plan

Participate in a 401(k) Plan

Operate and Maintain a 401(k) Plan

Correct a 401(k) Plan

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A 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts. Elective salary deferrals are excluded from the employee's taxable income (except for designated Roth deferrals). Employers can contribute to employees' accounts.