TGA Solo 401K

If your business is essentially a one-person operation, there's an option to help you save more money for retirement: The Solo 401(k) plan.

Ordinarily, traditional defined contribution retirement plans allow annual contributions that are limited to either 25 percent of salary if you're employed by your own S or C corporation or 20 percent of self-employment income if you operate as a sole proprietor or single member LLC. Also, traditional profit sharing plans, Keoghs or SEP plans are subject to a $52,000 cap in 2014 (up from $51,000 in 2013).

Not bad, but with a Solo 401(k) plan, you can probably make substantially larger contributions that lower your tax bill and generate more tax-deferred earnings for retirement.

A Solo 401(k) is made up of two separate parts. Together, the two parts make the plan advantageous:

1. Elective deferral contribution - As much as 100 percent of the first $17,500 in 2014 of your salary or self-employment income (unchanged from 2013) can be put into a Solo 401(k) account. That amount increases to $23,000 if you are 50-years-old or older at year end.

2. Additional employer contribution - Your employer (your company or you personally, if you are self employed) can contribute an additional 25 percent of your salary or 20 percent of your self-employment income.

The sum of the two parts is capped at 100 percent of your annual employee compensation or self-employment income, or $52,000 (up from $51,000 in 2013), whichever is smaller. However, the dollar cap is increased to $57,500 for people age 50 or older ($56,500 in 2013).

A Solo 401(k) doesn't force you to contribute more than you can comfortably afford: The plan lets you rack up major tax savings in good years, by making maximum contributions, but gives you the option of contributing less -- or even nothing -- in lean years when you need to conserve cash.

Plus, you generally get the benefits of traditional 401(k) plans, such as the ability to borrow from your account.

Establishing and operating any 401(k) plan means some up-front paperwork and ongoing administrative effort. With a Solo 401(k), however, the administrative work is simplified because you are usually the only participant. If you have employees, you may also have to contribute to their accounts in the same way as a regular 401(k) plan.

Ask our adviser to sort out the complexities of various retirement plans and determine whether a Solo 401(k) is right for you.

TGA Capital Management, facilitator of Solo 401(k) Plans has seen a strong demand from sole business owners and self employed, looking to establish TGA Solo 401k Plans for the business in order to reduce their taxable income in 2013. As a result of the rebounding real estate market, real estate professionals are expecting to see higher real estate income in 2013. “Over the last few months, we have helped many real estate agents establish a Solo 401(k) Plan for the business in order to offset the tax on the increased earnings, with the Solo 401k, through the Financial Group.

The annual Solo 401k contribution consists of 2 parts, an employee salary deferral contribution and an employer profit sharing contribution. In 2013 the total contribution limit for a Solo 401k is $51,500 or $56,500 if age 50 or older. The total allowable contribution limits are combined to get the maximum Solo 401k contribution limit.

Up to $17,500 per year can be contributed by the participant through employee elective deferrals. An additional $5,500 can be contributed for persons over age 50. These contributions can be up to 100% of the participant's self-employment compensation. Through the role of employer, an additional contribution can be made to the plan in an amount up to 25% of the participant's self- employment compensation (20% if you are a Sole Proprietor or a Schedule C Tax Payer). “The high tax-deductible contribution feature of the Solo 401(k) Plan makes it a highly attractive tax and retirement planning option for a self-employed professional.

In addition, TGA Capital Management Solo 401K Plan offers a self-employed professional with the ability to use his or her retirement funds to make almost any type of investment, including no-load funds, ETF’s, Stocks, Bonds, Reits, Multi-National Limited Partnerships, Energy, precious metals, and other publicly traded securities and fixed income, Index funds on their own without requiring custodian consent tax-free! In addition, a Solo 401K Plan will allow one to borrow up to $50,000 for any purpose.

TGA Capital Management has helped numbers of self-employed to establish IRS compliant Solo 401k Plans. The whole process can be handled by phone, email, fax, or mail and typically takes between 1-4 days to complete, the timing largely on the custodian holding your retirement funds. A qualified plan advisory specialists are on site greatly reducing the set-up time and cost.

Most importantly, each client of the TGA Capital Management solo 401k IRA Financial Group is assigned an institutional custodian to help with the establishment of the Plan.

To learn more about the TGA Capital Management visit our website at www.TGACapitalManagement.com or call 888-686-6778.

The TGA Capital Management Solo 401k - How it works

With a Solo 401k Plan - Make High Contributions, Borrow up to $50,000, and use your retirement funds to invest in real estate and much more tax free!

In 1981, the IRS formally described the rules for 401k Plans. The Solo 401k Plan is an IRS approved type of qualified plan. The Solo 401k plan” is not a new type of plan. It is a traditional 401k plan covering only one employee. The plans have the same rules and requirements as any other 401k plan. The surging interest in these Solo 401k plans is a result of the EGTRRA tax law change that became effective in 2002.

A Solo 401k plan is perfect for any sole proprietor, consultant, or independent contractor. A Solo 401(k) Plan offers the same abilities as a Self-Directed IRA LLC, but with only having a custodian, such as; Charles Schwab & Company, Inc.

The Solo 40IK Solution

A Solo 401k Plan offers a self-employed business owner the ability to use his or her retirement funds to make almost any type of investment, including real estate, tax liens, private businesses, precious metals, and foreign currency on their own without requiring custodian consent tax-free! In addition, a Solo 401k Plan will allow you to make high contributions (up to $56,500) as well as borrow up to $50,000 for any purpose. Have an investment opportunity, unlimited selection of investment that you would love to make with your 401k funds? Want the ability to make high tax-deductible or Roth contributions? Need to access up to $50,000 of your retirement funds for personal use? Then the Solo 401k Plan is your solution!

How the TGA Capital Maagement Solo 401k Works

With TGA Capital Management Solo 401k Plan– you now can:

• Make maximum contributions nearly 10 times higher than the IRA.

• For 2013, contribute up to $51,000 per year or $56,500 if you are over age 50. If your spouse is involved in the business, they can contribute an additional $51,000 (or $56,500 if they are over the age of 50) per year.

• Invest in real estate, private companies, precious metals, and virtually anything else.

• Borrow up to $50,000 from your Solo 401k Plan for any purpose.

• Gain control of your retirement funds – serve as trustee of the Solo 401k Plan.

• Make Roth contributions to your Solo 401k Plan.

• Maintain a qualified retirement plan and help save for the future.

• Diversify your retirement portfolio with a Solo 401k Plan!

• Access your retirement funds to make the investments you want when you want tax-free!

• Help grow your retirement funds tax-free with a Solo 401k Plan!

• Make investment quickly without delay with a Solo 401k!

Our Solo 401k Plan Establishment Service Includes:

• Solo 401k Adoption Agreement

• Solo 401k Basic Plan Document

• EGTRRA Amendment

• Solo 401k Summary Plan Description

• Trust Agreement

• Appointment of Trustee

• Action by Board of Directors

• Beneficiary Designation

• Solo 401k Loan Procedure

• Solo 401k Loan Documentation

• Election Not To Participate

• Transfer Request Forms for incoming funds transfers

• IRS Determination letter stating that this is a Prototype Plan that meets the requirements of a qualified plan

• Free support on the Solo 401k Plan structure

• Direct access to our on-site advisory

You will not pay any commissions, hidden fee’s while funding your plan with no-transaction cost from our funds list of core funds, provided by Charles Schwab & Company, Inc., Institutional Services.

Your TGA Capital Management Solo-401k can be self-directing or you can utilize our predefined accounts or any combination of investments to fund you solo 401k and the funding selection is unlimited, with unbiased advisory guidance.

We can work hand in hand to access your risk/averse, your time horizon, and provide you with avdvisory recommendations to meet your plan requirements and allocation.

We have developed a process that ensures speed and compliance, by using standardized procedures that work via phone, e-mail, fax, and mail. Your funds will be ready for investment into your new Solo 401k Plan within 5-14 days.

Please contact one of our IRA Experts at 888-686-6778 for more information or visit TGA Solo 401k.

Warmest Regards,

Michael D. Green, Principal

Website; http://www.tgacapitalmanagement.com

Website; http://sites.google.com/site/tgagia/

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Fiduciary Management Association Proud Member Of the Plymouth Area Chamber Of Commerce

Investment products are: Not FDIC Insured, May Lose Value, and are Not Bank Guaranteed.This document is for educational purposes only and is not intended as, and does not constitute an offer to sell or solicit any person to purchase securities. Investment decisions should not be made based on information in this document. Prospective clients should rely exclusively on the offering material when considering whether to invest. Before making an investment decision, prospective investors should carefully consider their investment objectives, risk factors, and expenses before investing. This and other important information is contained in each fund’s prospectus, which can be obtained from your investment advisor and should be read carefully before investing. Material discussed is not to be construed as tax or legal advice. Asset allocation/diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a diversified portfolio will outperform a non-diversified portfolio. Diversification does not ensure a profit or protect against a loss in a declining market. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. Past performance does not guarantee future results. Michael D. Green , Principal of TGA, a Capital Management firm, a Registered Investment Adviser, and provides institutional custodian, Charles Schwab & Company, Inc. member FINRA/SIPC. The opinions expressed herein are those of the writer and may not reflect those of Charles Schwab & Company, Inc or any of its affiliates. 04-24-2013

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