Posts by Affluent Wealth Management

Let’s be real trying to time the stock market is like trying to predict the weather with a blindfold on. One day everything’s green and soaring, the next it feels like your portfolio just rode a rollercoaster off a cliff. Sound familiar? If you’ve ever felt anxious about when to invest or worried that you’re…

If nondiscrimination testing stresses you out every yearthere’s a way to make it go away completely. It’s called a Safe Harbor 401(k) plan. Here’s how it works in plain English: The IRS says: if you commit to making a minimum contributionfor ALL your employees, we’ll exempt you from the testing. Think of it like a toll road vs a…

Congress passed SECURE 2.0 a couple of years ago. Most small business owners I talk to have heard of itbut have no idea what it actually changed for them. Here are the ones that matter most if you run a small business: ✅ Starter 401(k) plans — lower cost option for businesses  that want to offer something without full…