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Important Notice

We recently learned Amundi Pioneer’s phone number has been used as part of a spoofing scam perpetrated by certain bad actors unassociated with our firm. In conducting this scam these individuals are requesting social security numbers and/or other sensitive personal information in connection with a sweepstakes entry or other promotion. Such phone calls are not from Amundi Pioneer. We would never communicate with our clients or others in this manner. If you receive such a call, you should hang up and not provide any personal information. Please feel free to contact us directly with any questions or concerns. To learn more about similar scams and what you can do to prevent telemarketing fraud, please visit https://www.fcc.gov/consumers/guides/spoofing-and-caller-id »


Roth Uni-K: Expanding Your Retirement Savings Opportunities

Roth Uni-K is similar to the nearly decade-old Roth IRA in that it allows after-tax contributions to fund tax-free income. However, the Roth Uni-K allows for dramatically higher annual contribution amounts than the Roth IRA - up to $18,500 in the 2018 tax year vs. just $5,500.¹

 

Roth contributions can be made to a new or existing Uni-K Plan®, either as a substitute for or complement to pre-tax contributions.

 

3 Reasons Owner-Only Businesses Should Consider Roth Uni-K:

  1. Uni-K gives you access to Roth savings potential - SEP and SIMPLE IRAs can't.
  2. Roth contributions help protect you from tax risk, helping to protect from potentially rising tax rate environment, and may result in fewer taxes paid overall than pre-tax contributions.
  3. The Roth Uni-K offers potential advantages for all owner-only business owners, especially those with high-income. This may be the first opportunity you have had to accumulate assets for tax-free income.
 
And best of all, it's easy.
 

Simply put, the combination of high contribution limits and tax-free income could provide a valuable new tool to expand and diversify your retirement portfolios, hedge against potential tax increases at retirement, and build a nest egg that could be passed on tax-free to your heirs.

 

Interested in learning more about the Uni-K Plan®?

For more information, ask your investment representative or call Amundi Pioneer at 1-866-622-7815.

 

 

1 For individuals age 50 or older, $24,500 for Uni-K (versus $6,500 in the Roth IRA).

This material is not intended to replace the advice of a qualified attorney, tax advisor, investment professional, or insurance agent. Before making any financial commitment regarding the issues discussed here, consult with the appropriate professional advisor.