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Investing on Your Future

A lot of people may take their 401k plan for granted, but this can actually be their best investment ever because it directly affects how working people of today would be supporting More »

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401K Contribution Limits and How Do They Work to Build Wealth?

The 401k plan is a retirement plan that companies have for their employees to save for their retirement. Congress makes the rules for the 401k contribution limits, not the IRS like most More »

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Basic Things You Should Know

The idea of a 401k plan is that it is a savings retirement plan that can be used for the wise investments of mutual funds, stocks, bonds and other money market accounts More »

401K Contribution Limits

February 21, 2011   401k

Time flies when you are having fun and retirement may sneak up on you before you have the good sense to start planning for it. 401k contributions can allow you to start funneling money into it in order to catch up with what you will need. Unfortunately the government and employers put limits on how much you can contribute.

Because social security is taking such a hit, the government has increased the contribution limit in order to alleviate the stress that baby boomers will be putting on social security in the near future. Because of the poor economy, baby boomers are delaying retirement and therefore contribute even more to their retirement plans. This contribution limit increase will hopefully motivate people to put away more money now and rely less on social security in the future, assuming that it is still available in the next thirty years. Analysts calculate that the social security trust fund will be bankrupt by 2041.

For 2008, the contribution limit is ,500 which is up from the ,000 limit for 2006. Employers can also limit the amount of money that you contribute since they often match your contribution or a percentage of your salary. If they match the first five percent of your salary that you contribute, then try to contribute the full five percent. Keep in mind that company contribution allowances can be lower than the government allowance.

Even if ,500 is more than you can contribute, pushing your budget to receive the full match amount from your employer makes the most sense. You are simply turning down free money if you don’t. Only nine percent of contributors hit the maximum allowable ,500 limit. Keep in mind that your combined contributions to multiple 401k plans can not exceed that limit. It is not ,500 per 401k. Online contribution calculators can help determine how much you can afford to contribute and how that contribution will benefit you in retirement funds.

Those over 50 who worry that their retirement is not secure may make catch-up contributions, usually ,000 more than the limit, for an annual total of ,500 for 2007 and 2008.

Contributing the minimum amount to a 401k is better than no contribution to a retirement plan at all. Too many people are depending on Social Security to provide their financial security. Thinking in the long term can be difficult, especially when retirement seems so far away, but the economy is fluctuating and causing more and more people to put aside their retirement dreams. Don’t let poor planning and small contributions keep you from sailing into the sunset with a secure retirement plan in an insecure world.

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Design an Ideal Job by Identifying Your Must-have Benefits

March 28, 2011   401k

I first came across the list below and used it as part of a tip about salary negotiation (“33 things to think about when negotiating your executive compensation”). It can also be looked at in another way. These things are essentially a laundry list of the kinds of job benefits you could see as part of your employment package:

* 401K eligibility requirements

* Bonus structure

* Business travel

* Car/Allowance

* Cell phone, PDA, laptop, etc

* Child care

* Club memberships

* Competitive work clauses

* Dental

* Disability

* Educational reimbursement

* Equity

* Flexibility and influence in hiring decisions

* Funding for research, start-ups or other discretionary projects

* Hours or work schedule

* Insurance coverage

* Job functions

* Life Insurance

* Location of work

* Medical

* Office or contents of office

* Optical

* Parking

* Pensions (if applicable)

* Profit sharing

* Relocation assistance

* Retirement provisions

* Salary

* Support structure (e.g. administrative support)

* Termination clauses and terms

* Title

* Training programs or mentoring

* Vacation time

This list can be a bit overwhelming, so as we get to the three things to take with you, let’s start by knocking out the overwhelm, and:

1. Rank them. Not 1-33, heaven forfend. Break them up into three categories: “Must have,” “Nice to have,” and “Don’t really care.” Don’t be rigid about putting 11 in each category. It’s better to be honest with yourself and really think about what matters to you, so you can make well-informed job search decisions.

2. Consider the bigger picture. Job benefits contribute significantly to both your “total compensation” as well as your work/life balance and job satisfaction. For example, would you take a modest reduction in salary in order to telecommute two days a week, saving gas and giving you extra time with your family? For some professionals, that’s a slam-dunk yes. How about you?

3. Don’t limit yourself. Every year, in Fortune’s 100 Best Companies to Work For issue, they review the benefits offered by the listed companies. And the one of the best sections every year is their “Unusual Perks” list. Though the list above covers the most common benefits you could encounter, it’s not the be-all, end-all. And some of those unusual options might be enough to propel a company up to the top of your targeted job search list.

So start here. Start designing the perfect job for yourself. Start looking at positions through this filter, and see how much closer you can get to the right job than you ever have before.

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What are the Different Ways of Getting a Divorce

March 27, 2011   401k

The statistics of the United States of America claims that in the year 2009 alone there were 7.1 marriages per 1,000 total populations and 3.5 divorce rate per 1,000 populations. That throws up the divorce rate to half of the marriages made per year. Though this is a grave situation, but despite of all the counseling there is no improvement. The high divorce rates have led to introduction of many changes in the whole system like quick divorce, online divorce etc. Though, this article is not about the ways of getting divorce. People who are keen to marry can now access divorce records online. It is imperative to know about the divorce records online requirements and benefits.

From the reallocation of property and debt to child support to taxes to retirement planning, there are a slew of financial issues that are intertwined with most divorces. Chances are you and your spouse share a lot of assets, from furniture to stocks to pets! You might even have a sentimental attachment to some of them. Unless the two of you agree on how to divide all the property up, you might have to brush off on your bartering skills. Some parting couples even opt to sell all the property at once and divide the profits.

Stop contributing to combined accounts like 401K and pension plans. Telling your place of employment usually does this. Make the necessary arrangements so that your money is not being added to this account. You have to do this until you find out what will happen to those accounts and who will benefit from them.

In making decisions regarding legal and physical custody, the Courts in Minnesota will consider the best interests of the children. It is presumed that joint legal custody is in the best interests of the children. However, judges are more reluctant to award joint physical custody absent an agreement between the parents that such an arrangement is in the best interest of their children.

This is liken to ” if you cannot stand the heat get out of the kitchen” kind of marriage which have been viewed in some quarters as some kind of slavery. The truth of the matter is that some of these women knew what it meant to them for their children to be jointly raised and as such, they choose to stand the heat rather than getting out of the kitchen. The respect to their chosen husbands, no matter what he does or did is total and it is fundamentally important that they do not bring shame to their respective family no matter how wretched, poor or rich that family may be.

According to Jenny Burley and Francis Regan, the Irish story of family law reform in the post-second world war era is quite different from the experience of other countries. One of the main reasons why the story is different is that from 1937 divorce was banned under the Irish constitution. Divorce law reform therefore required a referendum to change the constitution. Even though there were thousand of separated people in Ireland in early 1980s, the proposal to introduce divorce was vociferously opposed in referenda in 1986 and 1995.

However, when couples resort to mediation, they take the help of a trained mediator to bargain with each other straight in order to appear at an contract about every aspect of their divorce, such as child support, arrangements about parenting, and dividing the property. The mediator remains an impartial third party whose special responsibility is facilitating negotiations by decisive the issues, investigative the possible solutions, and giving advice about all the matters that ought to be included in the last agreement.

It is important to be aware of the time limits for which unreasonable behaviour can be valid grounds for divorce. Unreasonable behaviour is usually cited in divorce petitions if the couple have not separated for any length of time. If you and your spouse are still living together, then the last incidence of whatever type of “unreasonable behaviour” you have described in your divorce petition must have occurred no longer than 6 months from the date the petition is filed. There are two reasons for this. Firstly unreasonable behaviour is not always unacceptable to spouses, and does not always lead to separation. For instance, if both parties have always worked 14-hour days throughout the marriage, it would lack credibility if one of them suddenly decided to petition for divorce based on the other’s work habits.

Discovery is a mechanism by which the parties get information or admissions from their spouse. Parties can at their option proceed with “discovery”. Discovery is most important and perhaps crucial in a case when a spouse is unaware of the extent of the marital assets and estate. Discovery can be a useful to obtain documents or other tangible evidence that is needed for settlement or trial. RI discovery can also can be used to obtain admissions of certain allegations.

Most Rhode Island divorce and family law attorneys have done these nominal hearing hundreds of times. It is a very bad idea for a person to represent himself or herself in a divorce! As the old adage goes a person who represents themselves has a fool for a lawyer. Since everything you have worked so hard for is on the line it is foolish to go through the Rhode Island divorce process without Rhode Island divorce and family law lawyer.

A Deposition is when a party usually through their lawyer can ask their spouse questions under oath in front of a court reporter. In Rhode Island family Court, a party must obtain leave of court / permission from the court in order to take a deposition. Motions to take deposition of the other party are almost always granted by Family Court Judges. Depositions are powerful yet expensive discovery tools. A deposition usually is effective because the attorney can ask the other party questions face to face. The attorney can ask follow up questions and can ask questions in different ways. This is particularly effective if a party is being evasive or less than forthcoming. There is very little the other attorney can do to help their clients answer the questions during a deposition.

in contentious Divorce cases, the parties through their Rhode Island Divorce lawyers often file frequent motions concerning, Child Custody, Child Support, Child Visitation, Restraining Orders and the disposition of Marital assets.

Is it necessary to prove compliance with the residency requirements at the “nominal hearing” in order to obtain an uncontested divorce? Yes!

Generally, in contested divorce, both the parties have to bear lot of humiliation and mental trauma. Negotiations, allegations, and counter accusations ultimately cause bitter and permanent hatred towards each other. Besides the divorcing couple, their families and children also suffer a lot during contested divorce.

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Fha Loans Give Homebuyers a Fighting Chance

March 27, 2011   401k

Here’s the lowdown: those easy-to-qualify stated income/100% financing loans that lenders were churning out like there was no tomorrow just a couple years back are few and far between, and if you do find them, they come with pretty stringent guidelines- and rightly so. With foreclosures at an all-time high, investors know that they run the risk of losing their shirts if they give a borrower with not-so-great credit a half a million dollars without seeing paystubs or bank statements.

Before you start crying into your pillow though, there is some good news for you. If you’re a renter who thinks your dreams of homeownership will remain nothing more than that due to the stricter lender guidelines, or you’re a homeowner who was hoping to get a refinance but couldn’t get approved due to lack of equity or the fact that stated income loans are hard to come by, there just may be hope for you yet in the form of FHA loans.

Here are just a few reasons why an FHA loan may be what you’re looking for:



No minimum credit score. You can have a FICO score in the 500′s as long as your debt-to-income ratios are within FHA guidelines. (You do have to submit proof that you do make what you say you do though!)

FHA allows non-occupant co-signers. If you can’t qualify on your own income, you can ask your favorite aunt to be your co-borrower, as long as she can document her income.

FHA will allow up to 97% of the total purchase price. Before you start lamenting the fact that it does you no good because you don’t have the remaining 3% for the down payment, read on. Mind you, the norm was that homebuyers used to have to put down at least 20% so the fact that you can still buy a home without putting any money down is still a steal, no matter how you look at it.

Seller can contribute up to 6% of the total loan amount towards closing costs. Great news for those who want to buy but can’t cough up the closing costs associated with buying a home.

Down Payment Assistance programs allowed. So, you’re approved for the maximum 97% In addition to your seller being able to contribute as much as 6% toward your closing costs, FHA also allows you to use Down Payment Assistance programs as well.

Gift funds allowed. If you don’t want to apply for a Down Payment Assistance program, FHA also allows 3% gift funds from a family member or employer.

No reserves required on 1-units. If you are buying or refinancing a single-family home, but you don’t have enough reserves in your bank account, 401k, stocks or bonds to show after the transaction closes, FHA won’t hold that against you. On 3-4 unit properties, you do have to show at least 3 months reserves though.

Prior bankruptcies are OK. If you have a Chapter 7 that was discharged two years ago, or even if you’re in a Chapter 13 but you have at least 12 months of demonstrated payments, you’re good.

The FHA loan program is essentially a full documentation loan, and while there may be people who bemoan the fact that it gives them a much more limited price range than the conventional loans of the past few years, it also keeps the specter of default and foreclosure away by taking pains to ensure that borrowers can afford the homes that they buy.

 

 

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Understand Individual Charitable Donation for Tax Effectiveness

March 27, 2011   401k

The federal government has creates a tax reduction program for people making donation to charities because giving money to charity provides many benefits to both the community and the donor, most people do not give much thought to developing a tax-effective strategy for charitable giving. Although many people make charitable bequests in their wills, other ways of giving may be less costly to them and their estates. In this article, we will focuses on the tax effectiveness of charitable donation for individuals.

1. Income tax incentive
The US and Canadian income tax system provides tax credits to encourage taxpayers to make gifts to charitable organizations. The system is designed to grant a tax credit at the top marginal tax rate. The actual tax credit may vary slightly depending on the states and provinces in which the taxpayer resides.

2. Eligible organizations and associations
The tax credit is available to taxpayers for donations to any of the following:
a) Registered charities . . . including universities and colleges.
b) Registered amateur athletic associations.
c) Non-profit corporations.
d) The United Nations and related agencies.
e) Registered national arts service organizations.
f) Federal debt servicing and reduction account.
g) Federal, state and provincial governments, crown foundations, municipalities.
h) Approved foreign universities.

3. How to claim the tax credits
In order to claim the tax credit, the taxpayer must file an official receipt indicating, a) The date on which donation is made
b) Receipts and registration number.
Donations should always be reported on the tax return for the year the gift is made. This applies to total donations including donation that exceed the annual claim limit. This helps to facilitate the tracking of any carry forward amounts and minimizes the risk of lost receipts. A taxpayer can report and claim a donation in any of five subsequent years subject to the annual donation claim limit.

4. Annual Donation Limit
A. Under the Income Tax Act, the annual general donation claim limit is 75% of yearly net income and either spouse can make the claim. Net income usually includes.
a) Employment
b) Pension
c) Interests, dividends and capital gains
d) Business income
B. However, there are certain amounts that must be deducted in calculating net income.
a) Registered Retirement Savings Plan (RRSP) and 401k contributions
b) Carrying charges and employment expenses

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://life-insurance09.blogspot.com
http://charitabledonationandtaxi.blogspot.com/

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Section 457 Retirement Plan

March 27, 2011   401k

There are many different types of retirement plans in existence and there are probably some you have never even heard of. When it comes time to plan your retirement, it is to your benefit to seek these plans out so you know all your options and which will work best for you. You have probably heard of a 401k but have you heard of a Section 457 Plan?

The Section 457 Plan is for employees of government or other tax exempt organizations such as churches. Employees of such institutions can make up to ,000 per year in tax free contributions. Each year after 2006, the amount increases by 0 each year. Withdrawals from this plan may be subject to penalties. If money is withdrawn before the age of 59 1/2 for example, there is a penalty applied. In certain instances, the penalty might be avoided. In certain hardship cases and termination of employment, it might be possible to withdraw cash without penalty fees.

The Section 457 Plan actually has much more lenient withdrawal policies than other plans do. However, money must be withdrawn before the age 70 1/2 or penalties will be applied. This money can roll over into a different retirement account without penalty though.

The Section 457 Plan is somewhat limited but is worth checking into if you are eligible and your employer qualifies for it. It could really be a tax saver for you. You would be able to contribute a nice investment sum tax free so if you work for the government or a non profit agency, check with your employer to see if this option is available to you.

Retirement planning is often put on the back burner since there are so many other things which take up our time and energy in life. But the ting about saving for retirement is that the sooner you start, the more you will have saved and earned through interest by the time you retire. When you do reach retirement age, you will be glad you took the time to carefully plan your future.

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A Discussion of the Alternative Minimum Tax

March 27, 2011   401k

I know you must be frustrated with this alternative minimum tax but do you really know what it is all about? Chances are you don’t fully understand. I will attempt to explain the alternative minimum tax to you and offer some tax planning strategies to help you endure.

The alternative minimum tax (AMT) is a tax calculation that is run simultaneously with the regular income tax calculation. The AMT is was originally designed to keep taxpayers from taking too much advantage of income tax deductions and potentially limiting the amount of income tax to be paid. If a taxpayer had certain deductions or exercised incentive stock options without selling the stock, there would quite likely be exposure to the AMT. The funny thing is, these days a taxpayer doesn’t have to have a bunch of deductions or a complicated tax structure to all into the AMT. In fact, many who are in the AMT are married filing joint returns with just the normal course of itemized deductions. When the married filing joint tax tables were adjusted to reflect twice the single tax rates(an attempt to eliminate the marriage penalty), more of these tax returns were in the AMT as a result of phasing out the lower income tax brackets. The lower income tax brackets of 10% and 15% were phased out by applying the AMT rate of 26% form most taxpayers. Throw in the fact that taxes taken as itemized deductions and miscellaneous deductions subject to the 2% adjusted gross income floor are add backs to arrive at alternative minimum taxable income, its no wonder that more Americans found themselves in this predicament.

The best way for the average American to avoid, or lesson the effects of the AMT is to reduce income. Increasing contributions to 401K’s is an excellent way to do this. This serves to reduce both regular tax and AMT. In fact, I have run scenarios that have gotten the taxpayers out of the AMT by reducing income through use of a 401K. Another helpful task is to reduce state income taxes withheld. This is an addition to arrive at AMT taxable income. If one is making estimated tax payments, don’t make the fourth quarter estimate in December, wait and make it in January. This will reduce exposure during the current year and will make it possible for a deduction in the following year. The same principal applies for those having state taxes withheld from their pay. Reduce withholding to the bear minimum. If one typically gets refunds on the state return, claim more exemptions to lesson the tax withheld. In fact, it might make sense to reduce withholding down to an amount that would have an amount due on the return. This amount due would be paid in the following year and can be calculated to avoid penalty and interest for the current year’s return. My favorite tactic for reducing exposure to regular tax and the AMT is getting reimbursed for un-reimbursed expenses. If one is an outside salesman, then there is definite chance that these expenses are helping to bring on the AMT. Here’s how this can work. In lieu of getting a bonus or commission check, have the employer reimburse for the expenses instead. This will provide income that is not subject o tax. The income will not be placed on the W-2 form and will therefore lower exposure to regular tax and the AMT.

These are a few of the ways to help cope with what I call operational AMT. Operational AMT does not require the use of amazing tax attributes and finds its way to the taxpayer by virtue of where the tax bracket falls and the type of normal deductions taken. Situational AMT involves specific transactions like exercising ISO’s or the sale of Internal Revenue Code 1202 stock. Situational AMT will often provide a credit that can be carried forward to offset regular tax in a future year, subject to limitations. I will discuss this more in a later article. For the time being, it is important to know how one’s income will fall over the next few years in order to plan for operational AMT. Calculate your own exposure to AMT by filling out form 6251 for the current year as well as the next three or four years. If you need help, you know where to find me.

Ron Piner, CPA

Host of “Better Business”

Saturday Mornings at 10ET

ON WBIS AM 1190

www.wbis1190.com

www.mwibonline.com

taxguy9@hotmail.com

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5 Big Advantages of Having a Roth IRA

March 27, 2011   401k

Ever wondered how to maximize the returns you make on your retirement investments? Many people have incurred huge losses due to the economic downward spiral we are finding ourselves in. The first step in recuperating those losses is rolling over from a traditional IRA or 401k to a Roth IRA. The obvious advantage of a Roth IRA, to put it simply, is its tax structure. Here are 5 big advantages of Roth IRAs that should get you worked up about rolling over.

1. One of the biggest Roth IRA advantages is that your earnings aren’t taxed when you withdraw them. On the other hand with traditional IRAs, the contributions you make will be tax deductible but you will be taxed when you make withdrawals and most likely at a much higher tax rate. If you expect to be in a higher tax bracket at retirement, a Roth IRA is your best option.

2. Another advantage of a Roth IRA is that there are a lot less restrictions on them in contrast to traditional IRAs. You can avoid a penalty on early distribution in some cases and you aren’t forced to make minimum distributions when you reach the age of 70 and a half like you are with a traditional IRA.

3. Another one of the biggest Roth IRA advantages is the fact that they are simple because they do not require you to do any special reporting to the IRS. On the other hand when you have a traditional IRA you are required to report a deduction in your 1040 form when you make a contribution.

4. The greatest advantage of a Roth IRA is that they are much more flexible than traditional IRAs. You have a much wider array of investment options including real estate, franchises, stocks, partnerships, private equity, and more. With 401ks and traditional IRAs you are limited to the options provided to you by your employer or bank.

5. Of all Roth IRA advantages, one of the most important in these unstable economic times is the ability to self-direct your account. When you self-direct your account, you are able to pick a company and account custodian that can help you manage your account and maximize your returns. The best investment option is real estate because it is relatively stable in comparison to other investment venues and it tends to go up in value over time. There are companies out there that have the experience and knowledge to help you invest in real estate the right way.

Your next step? Take this information and decide whether rolling over to a self-directed Roth IRA is right for you. There are companies out there that are set up to help people like you self-direct your accounts and double or even triple your returns. In fact, some companies will guarantee to double your returns or pay the difference. If you are worried about investing in venues such as stocks, which fluctuate in value every minute of the day, look into real estate. Not only is it highly stable, it is also highly lucrative. Build a more secure financial future and retirement by taking control over your retirement investments and rolling over to a self-directed Roth IRA.

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What Happens If My Company Goes Bankrupt?

March 26, 2011   401k

In the last few years, the financial markets have gone for a toss. There have been unimaginable fall-outs in the market. In March 2008, U.S. had five major investment banking firms. By the end of that year, there were none. Lehman brothers went bankrupt. Bear Sterns was sold to J.P. Morgan Chase and Bank of America bought Merrill Lynch. Morgan Stanley and Goldman Sachs barely survived with outside capital and converted to a fully regulated bank. What about the employees of these companies?

With such history, now no employee can feel safe. They know that any company, whether big or small, can go bankrupt. And once that happens, job loss is obvious. Being out of job is no good experience. Once you are out of job, you will have to worry about your mortgages and other loans. You do not want mortgage companies on your head for monthly payments. You do not wish to fall into a debt trap. Thus you need to take some corrective actions as soon as your company goes bankrupt. You should limit your losses by claiming all the benefits you are entitled to. Also, applying for a new job will help in reducing any financial problems later.

You may also be worried whether you will get your due salaries and other payments. The question arises that in the event of a company going bankrupt, do the employees have to wait like normal creditors for their payments, or are their special provisions for employees under such cases? The answer is the first obligation of a company is towards taxes, then employees, then creditors and last the shareholders. In case the company voluntarily goes bankrupt, it has sufficient assets to pay salaries to it employees. You can claim your loss pay, redundancy pay and other payments towards your job. However, when a company is forced close, it might not even have that much.

Thus, you need to be careful. Don’t be too sure of your job. Even the best-paying employers can be affected by a global event, leading to their downfall. If you feel that your company is shaky, make sure you are updated with all your financial claims so that you will not have to suffer any financial effects later. Also, when your company goes bankrupt, you can collect unemployment that is paid by the government. Your company pays into a state unemployment fund. If the company goes bankrupt and you are out of job, you can apply for the benefits from the state.

Also, the money you have contributed towards a 401K account is held by a trust that is separate from the sponsoring company. Thus, even if your employer goes bankrupt, your 401K account is safe and the vested amount of money in the account is still yours. You should also claim your retirement benefit money from your employer.

Also, always save money. This way you can pay your monthly charges like bills, child education, mortgage repayments etc without any problem even if you are unemployed for some time. If you plan your steps properly, bankruptcy of your employer will not affect you much. There would be a little hardship, but you will be able to come out of it soon.

 

 

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Branded Workplace Financial Education Web Portals for Companies

March 26, 2011   401k
5107883856 a56dba8de9 m Branded Workplace Financial Education Web Portals for Companies

Organizations are increasingly offering some form of workplace financial education as part of their employee benefits program. They recognize the long-term intrinsic value of such a service. Other benefits to offering some form of workplace financial education include:

1. To increase participation in and contributions to 401(K), 403(B), and other retirement plans.

2. To help employees improve their personal financial wellness.

3. To help employees remove obstacles to fully funding their retirement plans.

4. To increase employee loyalty and morale.

5. To improve employees’ chances to retire early or on time.

6. To reduce employees’ stress.

7. To increase workplace productivity.

8. To reduce the incidence of employee theft.

9. To help employers avoid lawsuits.

10. To remove limits on tax-deferred savings for highly compensated employees.

To expand organizational options related to workplace financial education, Strativia works with companies to build branded financial education web portals and other web-based resources. These portals are accessed from the company’s intranet and are not available to the general public. These workplace financial education web portals serve as a platform to achieve specific educational initiatives, reach specific target groups, and as a public relations medium.

Strativia’s branded portals are creative and user-friendly with a focus on financial literacy, retirement planning and preparation, and investor education. Our workplace financial education web portals are designed to speak a cohesive message to your people. Providing the most current content along with interactive tools, assessments, surveys, calculators, and other resources helps ensure your employees find what they want when they need it.

Tools like those offered by Strativia help employees to place more importance on managing their money starting now. They learn to establish a spending plan, develop an emergency fund, understand investing, and implement a concrete retirement plan. The benefits of financial education web portals will positively affect these employees for a lifetime.

About Strativia

Strativia is a financial management software development and services company specializing in applications for personal and business use. Their software enables users to manage and understand their money matters. They are headquartered in Mitchellville, MD. Our software has been distributed throughout the U.S. and in several countries worldwide.

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