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Sit. Stay. Rollover. With just some basic preparation you and your financial planner could have your retirement fund trained to overcome obstacles with the grace of a champion pedigree.

Is it possible to train your retirement plan? We think so.

Maybe youÂ’re about to change jobs, change companies, or change your career completely. Whatever change is afoot, we donÂ’t have to remind you how important it is to keep an eye on your retirement funds during tumultuous times. Assets for your retirement should be able to respond to any possible changes with ease. All it takes is a little training.

If youÂ’re changing jobs and have an existing retirement plan, such as a 401(k), you should already have a Summary Plan Description in your possession. This will describe your retirement plan and the options available to you, regarding your old (or, soon to be old) companies plan. You want to share this document with a financial professional so the two of you can decide what option fits you best. Many companies have restrictions on what can and canÂ’t be done with your retirement fund. As with most financial planning, a little education goes a long way and knowing the details of your plan will help make the transition a bit smoother.

Generally, youÂ’ll have three major options for your retirement fund when changing jobs. You can withdraw your investment savings and keep the money as a lump sum (sit), you can leave the money where it is (stay), or you can “roll over” your retirement savings into another retirement plan or an IRA. Each option has its pros and cons. Depending on your situation in life and in your career, youÂ’ll want to consult a financial consultant and choose the option that makes you feel most comfortable.

If you choose to withdraw your money in a lump sum from a previous employer’s retirement fund, you must pay taxes on the money you withdraw. On top of those taxes, your employer is required to take a 20% withholding from your lump sum, and if you are under age 59 ½, you may also be forced to pay a 10% penalty tax. You may roll over the lump sum and avoid the penalty provided that you deposit the funds in an IRA or another employer plan within 60 days. You will have to make up the additional 20% withheld by your employer. The 20% withholding will be deducted from your reported income when your taxes are due.

Leaving the money in your current plan is one option when changing jobs or companies. However, you must also be aware of any possible regulations and restrictions your old company has placed on your money in that retirement plan.

If you choose to roll it over, you may have the option of rolling your assets into either an IRA or your new employers plan. However, to avoid paying taxes and penalties, you should have these assets transferred directly to another IRA custodian. This rollover will still have to be reported to the I.R.S. One downside is that your retirement rollover cannot be rolled into a Roth IRA. However, you may qualify for a Rollover IRA which can than be rolled into a Roth IRA, but you must meet certain qualifications. Once a Rollover has been put into a Roth, you cannot roll the Roth into another employee-sponsored retirement plan.
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According to a study done by Lending Tree.com, the average mortgage payment in America in 2011 based on the average home price of $222,261 for a thirty year term at four percent is $1061. Hawaiians pay the most with an average mortgage of over $3000 per month while the folks in Mississippi pay on average about $650 per month.

Compare that to the monthly rent prices in The US which top out at around $1008 per month, It may be a smart choice to buy your little slice of heaven. I say may be, because just like with average mortgage prices, this is all geographically driven. If you live in Manhattan, for example, you will obviously be paying a higher rent for a 1 bedroom 1 bath apartment than you would for the same apartment in Enid, Oklahoma. And forget about buying a house in Manhattan.

There really is no rule of thumb when it comes to buying a house. No “Magic Formula” that applies when you are looking in the paper or online and want to know about what you are going to spend. Mortgage rates are market specific. Some will be lower, some will be higher.

If you are renting right now and thinking that you would like to buy, but don’t know if it is cost conducive, there are some things to consider. I know that there are a lot of calculators on the market to help you get an idea of your payment. But, don’t forget some of the other costs that may be hiding out.

1. What are the taxes? – My wife and I looked at a house when we moved to New York. The house we were looking at was beautiful and in our price range, but when we looked at the taxes, It threw us out of the ballpark. If we paid for the house outright, the taxes were still almost $700 per month.

2. Do you have PMI? If you do not have 20% to put down on a house, you will be charged for PMI Insurance, or Private Mortgage Insurance, until you pay your principal down to 80% of the loan value. PMI Insurance is a kind of guarantee for the banks that says even though you didn’t put 20% down on the loan, If you default, they will get their money.

3. Homeowner’s Insurance – This again depends on many factors including geography. Not just where you are in the world, but also where you are in relation to Fire hydrants and other services. The age of the home comes into play here too as the insurance company is looking to replace like with like. If your home was built in the 1800’s it’s more difficult to do that

These are just three of the things to consider when trying to figure your average mortgage price. Do your homework. Know your area. Talk to professionals. It is there job to help you out, and in their best interest to get you the answers you need.
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A SEP IRA is a plan that may allow you to put away more tax deductible dollars for retirement. For employers, SEPs are a simple way to establish a retirement plan for employees without many of the restrictions that apply to other qualified plans and without the mounds of paperwork.

Here, however, we are going to talk about how a SEP IRA could allow you to save more for retirement if you have self-employment income outside of your job or have your own business. Business owners are both “employers” and “employees.” For this discussion, we will assume that you are the only employee.

Note: If you are involved in a business with partners or employees, the same percentage contribution is required for all employees who are over age 21, have worked in the business in at least three of the last five years and made at least $450 (2006). Other technicalities may apply.

The Rules

1. You can contribute up to 25% of your compensation, subject to a maximum. This maximum is indexed; for 2006 it was $44,000 and for 2007 $45,000.

2. Assuming the SEP IRA’s tax year is the calendar year, contributions can be made up until April 15th of the following year, when the tax return is due.

3. You can contribute up until you are 70 1/2, but not beyond.

4. Withdrawals before age 59 1/2 are subject to the 10% premature distribution penalty tax unless one of the exceptions apply.

5. You have to start taking the money out (RMDs) at age 70 1/2.

The Benefits

1. SEP IRAs are simple. Essentially SEPS are big IRAs. There is very little paperwork.

2. They are flexible. You can vary the amount you contribute each year from zero all the way up to the year’s maximum contribution limit.

3. The total contribution limit is indexed which allows more to be contributed each year.

4. Employer contributions are generally not subject to FICA (Social Security tax), FUTA (federal unemployment tax) or income tax withholding.

5. As an employee of your SEP IRA, you possibly can make deductible contributions as well. These contributions have the same contribution limits as traditional IRAs. For 2006 and 2007, this is $4,000. If you are age 50 or over, you can add another $1,000. However, if you make too much money, your contribution maximum is either reduced or eliminated.

6. You can be a participant in a qualified plan (for example, a 401(k)) at work and still be able to contribute to your SEP IRA based on your outside income. Again, this is a function of your income and subject to the phase out rules discussed below.

Phase-Out Rules

1. First, these rules apply if you are a participant in another qualified plan. Note that having a SEP IRA puts you in this category.

2. Your income and your tax filing status determine the phase-out. Technically, this is “modified adjusted gross income” (MAGI) which is adjusted gross income with certain adjustments. See your accountant.
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