Investments made easy

ETF - VOO

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.

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 The money that grows in a Roth IRA can be withdrawn tax free.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. 

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

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 You can also choose this plan in a Roth version, where you contribute post-tax money, and it grows and withdrawn tax free.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.