S*********r
发帖数: 102 | 1 International company opened US office. Right now there is only 1 employee.
What is the best retirement plan for this employee? Any advice will be
highly
appreciated!
1. SIMPLE IRA
Does this one have to be set up by Oct 1?
Is there any grace period for setting it up for new U.S. companies?
Can it be filed later than Oct 1 with retroactive dates?
2. SEP IRA
Fully funded by employer only.
If employee left, will he be able to get what has been contributed to the
plan,
or will he get nothing?
3. Solo (Individual) 401(k) by employee, claimed as self-employed individual
by employee himself.
But does this means he has to pay business tax for sole proprietors? If so,
it would eat up most, if not all, of the saving from a retirement plan.
可以只把能放进retirement部分报为sole proprietors的收入吗？
Could you please kindly share your advice? Or could you refer some tax
advisors for free (or low cost) consultation?
Reference:
https://www.fidelity.com/retirement-ira/small-business/compare-plans
http://money.usnews.com/money/blogs/on-retirement/2013/06/10/4-
https://www.blackrock.com/investing/literature/forms/simple-ira-employer-kit
.pdf
https://www.irs.gov/Retirement-Plans/SIMPLE-IRA-Plan-FAQs-Establishing-a-
SIMPLE-IRA-Plan
http://www.dol.gov/ebsa/publications/simple.html
http://www.retsource.com/extra/simpplan.html | S*********r
发帖数: 102 | 2 International company opened US office. Right now there is only 1 employee.
What is the best retirement plan for this employee? Any advice will be
highly
appreciated!
1. SIMPLE IRA
Does this one have to be set up by Oct 1?
Is there any grace period for setting it up for new U.S. companies?
Can it be filed later than Oct 1 with retroactive dates?
2. SEP IRA
Fully funded by employer only.
If employee left, will he be able to get what has been contributed to the
plan,
or will he get nothing?
3. Solo (Individual) 401(k) by employee, claimed as self-employed individual
by employee himself.
But does this means he has to pay business tax for sole proprietors? If so,
it would eat up most, if not all, of the saving from a retirement plan.
可以只把能放进retirement部分报为sole proprietors的收入吗？
Could you please kindly share your advice? Or could you refer some tax
advisors for free (or low cost) consultation?
Reference:
https://www.fidelity.com/retirement-ira/small-business/compare-plans
http://money.usnews.com/money/blogs/on-retirement/2013/06/10/4-
https://www.blackrock.com/investing/literature/forms/simple-ira-employer-kit
.pdf
https://www.irs.gov/Retirement-Plans/SIMPLE-IRA-Plan-FAQs-Establishing-a-
SIMPLE-IRA-Plan
http://www.dol.gov/ebsa/publications/simple.html
http://www.retsource.com/extra/simpplan.html | s*********7
发帖数: 80 | 3 If you did not find answer, PM me | M*******s
发帖数: 4074 | 4 International company? Free advice?
我一般都建议办事人员规避风险，包括规避自己的风险。
花钱请 adviser 写一个正式的 memo，放在档案里。
这样公司和自己都有一层保护，以后转职移交后自己的历史也不会出现什么问题。
我屡次见到中国来的国字头企业对税务风险不在意，请街上的小事务所处理W-2报税等。
因为费用低，小事务所第一很难有能力处理好跨国业务，第二很少会做超出费用的服务。
所以屡次见到工资单错了，税表错了，等等。 |
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