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Financial Insights that Make Cents

Through our partnership with Slavic401k, you have access to a wealth of resources and information to help you plan for your retirement.

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Investment Education

Social security and personal savings is typically not enough to ensure your financial future. One way to build your retirement nest egg is by enrolling in and maximizing the benefits of your 401(k) plan.

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Calculators

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Frequently Asked Questions

Top Asked Questions

What are Slavic401k’s Wealth Management Services?

Answer

Slavic's Wealth Management advisors will help you identify a financial plan, which we believe will help you achieve your dreams and protect your wealth assets from life’s unexpected moments. INVESTMENT AND BUDGETING With information you supply, a Slavic Wealth Management consultant can help you analyze and project expenses, create a budget, and suggest ways to implement a saving and investment strategy to help you save for a wedding, new home, college tuition, or any of life’s biggest milestones. TAX PLANNING Why pay Uncle Sam more than you’re required to pay? Slavic's goal is to limit your tax liabilities so you can retain more of your hard-earned money. A Wealth Management consultant will review your tax situation and refer you to tax professionals, if needed, for more robust tax planning assistance and strategy. INSURANCE AND PROTECTION It’s important to identify adverse factors that could negatively affect your life. One of the ways Slavic Wealth Management suggests to protect your assets is through various types of personal and financial insurance. RETIREMENT We help estimate your retirement expenses and income, then suggest a savings plan and financial strategy we believe will start you on the path to the retirement you dream of. ESTATE PLANNING Our financial advisors will provide you with a list of estate planning attorneys in your area to help you establish legal paperwork and directives, so your loved ones are taken care of after you pass, or in the event you become unable to take care of your own financial and medical affairs while alive. This is a vital aspect of retirement planning, yet one which some individuals may want to avoid – Slavic Wealth Management helps you get the ball rolling.

What is an IRA?

Answer

IRAs are accounts held by a financial institution that an individual can use to save money for retirement - by investing in things like stocks, bonds, and real estate property. These tax-deferred accounts come in different varieties such as: Traditional IRA, Roth IRA, Rollover IRA, and more. Traditional IRAs allow you to make pre-tax contributions up to the annual limit determined by the Internal Revenue Service (IRS). The contributions made into the account may be fully or partially deductible on a tax return, depending on factors such as annual income and filing status. With this account, the owner won’t pay income taxes until the funds are withdrawn. Similar in structure, a Roth IRA offers tax benefits for account owners. Because investments are taxed up-front, the account grows tax-free until the owner is ready to withdraw them in retirement. Because many IRAs and 401(k) plans have similar structures, there are some pros and cons for each that you should note to help you make the right financial decision.

What is a Pooled Employer Plan (PEP)?

Answer

A Pooled Employer Plan (PEP) is a 401(k) solution where many different companies—ranging from small businesses to larger entities—participate in a master plan, while still maintaining plan customization offering a tailored retirement strategy at the adopting employer level. There is no need to have a common “nexus” as there is in a Multiple Employer Plan (MEP), which broadens the scope for any participating employer.  The PEP approach not only fosters a community of financial security but also reduces the administrative burden, making it a valuable retirement planning vehicle for businesses of all sizes.

What is a Single Employer Plan (SEP)?

Answer

A standalone Single Employer Plan (SEP) is a traditional 401(k) plan adopted by one employer. While standalone plans are a great retirement savings plan option for many companies due to their customization and flexibility, they can sometimes be more costly and time consuming, depending on many factors that are at the employer’s discretion. SEPs typically work well with larger employers or employers who have a need for complex plan designs that allow different benefit structures for different groups of employees, or employers who have formally merged plans with protected benefits. Single Employer Plans offer businesses maximum flexibility for businesses with more complex needs.

What is a Multiple Employer Plan (MEP)?

Answer

A Multiple Employer Plan levels the playing field between small and medium-sized businesses and large corporations, and allows for equality in retirement savings solutions for their employees. The main benefits of an MEP come from harnessing the power of many. With multiple employer plans, the employers benefit from pooled plan provider resources – leading to shared costs and reduced fiduciary liability, providing economical access to superior fund lineups while minimizing fiduciary and administrative burden. MEPs also help smaller employers attract and retain top talent they may otherwise lose to an employer who can offer a more competitive benefits package.

Do I have to sign in using my social account (Google, Microsoft, Apple) if I already have an email and password setup?

Answer

No, you do not have to sign in using the social account feature. This is an additional way to log in to your account.

Why did you change your login process?

Answer

We changed our login process to improve the security of your account, to enhance user experience, and to simplify password reset.

I use a password with my Gmail account on Slavic401k’s previous login process. What do I do now?

Answer

You have two options:
  1. You can log in with the username and password you previously used.
  2. You can follow the steps to link your previous account to Google account login.
    1. 1. Visit: Slavic401k.com and click Log In in the toolbar 2. Click Participant Portal button 3. Select Continue with Google 4. Follow the steps to sign in to your Google account 5. Provide your DOB, last 5 of SSN and zip code 6. Click the Continue button

If I already have an account, do I need to create new credentials for the new login process?

Answer

No, you do not have to create a new account. You can log in with your current username and password.
Withdrawals

What is a net vs. gross distribution?

Answer

When you withdraw your balance from a retirement account, a portion of the money is required to be sent to the IRS for taxes on your distribution. This is called tax withholding. If you are requesting a distribution from your account, you may want to consider how tax withholding will impact the payment you receive. A net or gross distribution refers to the way that taxes are applied to a payment.
  • Net is the amount of cash remaining after all taxes have been applied.
  • Gross is the amount of cash before any taxes have been applied.
For more information on this topic, please read What is a Net vs. Gross Distribution in our Support Center.
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Monday – Friday 8 a.m. - 8 p.m. EST

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©2023 Castle Rock Investment Company® and Slavic401k. All rights reserved.
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Advisory services provided by Slavic Mutual Funds Management Corporation, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training on the part of SMF or its representatives. Administration and record-keeping services are offered through Slavic Integrated Administration. Both entities are collectively referred to as “Slavic401k.”

No content published throughout this site should be considered by the reader to constitute any type of investment advice. It is not the intention of Slavic401k nor should the reader assume that any reference herein to any particular investment, asset mix, security, portfolio of securities, transaction or investment strategy should be construed as investment advice. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. No chart, graph, or other figure provided should be used to determine which securities to buy or sell. Any specific questions that you might have concerning your individual investment decisions should be addressed to your personal investment advisor or tax consultant.

For more details on Slavic Mutual Funds Management Corporation, see our Form CRS, Form ADV Part 2A, and other disclosures. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Neither diversification nor asset allocation ensure a profit or guarantee against a loss.

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