Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer
TEAM HOELZER NEWSLETTER

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SAVE FOR RETIREMENT WITHOUT A 401(k)



While many people have access to a 401(k) plan, not everyone has this option, especially in today’s gig economy where income might come from multiple sources. Even without an employer-sponsored 401(k), there are several ways to save for retirement. With a bit of initiative, you can still take advantage of tax breaks and grow your retirement savings over time, whether you manage your accounts yourself or work with a financial professional.







  How to Prepare for Retirement as a Stay-at-Home Spouse
  A stay-at-home spouse can have a significant impact on a couple's retirement savings. Get our tips to help you prepare for retirement as a stay-at-home spouse.



  For contract workers, saving for retirement can be daunting. Here's how to get started.
  Saving for retirement can be tricky for self-employed workers, but there are some painless saving options to help.









FUND AN IRA
An Individual Retirement Account (IRA) allows you to contribute pre-tax dollars, reducing your taxable income now and growing your savings tax-deferred until retirement.


OPEN A ROTH IRA
With a Roth IRA, contributions are made with after-tax dollars, but your withdrawals in retirement are tax-free, making it a great option if you expect to be in a higher tax bracket later in life.


SET UP DIRECT DEPOSIT
Automate your savings by setting up direct deposits into your retirement account, ensuring consistent contributions without the temptation to spend the money elsewhere.


SAVE YOUR TAX REFUND 
Consider directing your tax refund into a retirement account. It’s an easy way to boost your savings without impacting your regular income.



CLAIM THE SAVER'S TAX CREDIT
If you meet certain income requirements, you could qualify for the Saver’s Credit, a tax break for contributing to retirement accounts like IRAs, which effectively reduces your tax bill.



USE A TAXABLE INCOME INVESTMENT ACCOUNT  
While not tax-advantaged, a taxable investment account allows you to invest in a broad range of assets, giving you flexibility and potential growth outside of retirement accounts.



GET A HEALTH SAVINGS ACCOUNT (HSA)
If you have a high-deductible health plan, an HSA offers triple tax benefits: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.



CONTRIBUTE TO A SAVINGS ACCOUNT OR CD
Traditional savings accounts and Certificates of Deposit (CDs) offer a safe place to store money, typically with less risk. However, they also provide lower returns compared to other investment options.





     
     
     





  





















     
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Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com

         



       


                   

   



 
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com




   



   



 
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com