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As the nature of work is changing, financial industries need to adapt and create new platforms for independent workers. The retirement industry for one, must be able to serve this large group of customers.

As the nature of work is changing, financial industries need to adapt and create new platforms for independent workers. The retirement industry for one, must be able to serve this large group of customers.

As the nature of work is changing, financial industries need to adapt and create new platforms for independent workers. The retirement industry for one, must be able to serve this large group of customers.

As the nature of work is changing, financial industries need to adapt and create new platforms for independent workers. The retirement industry for one, must be able to serve this large group of customers.

Investments made easy

It doesn't have to be complicated. 

Owning stocks means you own small parts of companies. 

Buying an ETF is like buying a basket of stocks, so you don't bet only on one company.

These stock-baskets usually follow an index, so have lower fees.

VOO - is an ETF that follows the S&P 500 index, which holds the top 500 US companies. It has low fees and is viewed as a golden standard index.

ETF - VOO
 

Bonds

Bonds are a way for you as an individual to loan money to the US government with a promise of yearly paybacks. It’s a very predictable way to invest, with a modest return.

To make things easy and safe, we focus on investing in US bonds, which means you are loaning your money to the US government.

When buying a bond, you will need to choose how long you want to lend your money for and understand your yearly return

ROTH IRA

A uniqe type of account created by the government with a magical feature. The money that grows in a Roth IRA can be withdrawn tax free. Though contributions are done with after-tax dollars, the earnings on the contributions, if taken out after you reach 59½ will not owe any taxes. 

There are limits on how much you can contribute to a Roth IRA ($6,000/year) and some qualifications based on your income. Yet if you qualify, this is a great account type to use for your long-term investments. 

 SEP IRA

A SEP IRA is a great planned for the self-employed and small businesses. You can contribute up to 20% of your  self-employment compensation or $61,000 for tax year 2022, the lesser of the two. 

Contributions are tax-deductible, and earnings are tax-deferred, meaning you pay taxes only when you withdraw after you reach 59½.

SOLO 401k

Geared for the solo business owner (no employees) this plan offers high tax deductible contribution limit up to $61,000 for 2022. Taxes will be paid upon withdrawal after 59½. You can also choose this plan in a Roth version, where you contribute post-tax money, and it grows and withdrawn tax free. 

Similar to a Roth IRA, withdrawing any investment earnings before age 59½ will cost you penalties and taxes.

SIMPLE IRA

Bonds are a way for you as an individual to loan money to the US government with a promise of yearly paybacks. It’s a very predictable way to invest, with a modest return.

To make things easy and safe, we focus on investing in US bonds, which means you are loaning your money to the US government.

When buying a bond, you will need to choose how long you want to lend your money for and understand your yearly return

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