We are available for any of our clients' inquiries, from research on a company or security, help understanding a retirement plan, to economic outlook and analysis. Here are a few resources for you to explore.

IRA Contribution Limits
  • The maximum an individual can contribute to a Traditional or Roth IRA is the lesser of $6,000 or their taxable income.

  • If over 50 years old, an individual can contribute an additional $1,000.

  • For SIMPLE IRA's the maximum an employee can defer is $13,500.

  • If over 50 years old, an employee can contribute an additional $3,000.

  • Employers generally opt to match the employee's contributions up to 3% of their income.

Retirement Plan Limits
College Savings
  • Employee deferrals cannot exceed $19,500 or 100% of an employee's income.

  • Total additions, including employer contributions, cannot exceed $58,000 ($64,500 including catch-up contributions) or 100% of an employee's income.

  • If the participant is over 50 years old he is allowed a $6,500 dollar catch-up, over and above the $19,500 elective deferral limit.

  • An employer can contribute up to the lesser of $58,000 or 25% to an employee's SEP.











  • 529 plans are operated by states or institutions to make saving for education expenses easier. Contributions are made after tax, but earnings and distributions from the account are not subject to federal tax.

  • Anyone can set up a 529 account for a named beneficiary.

  • Contributions over $15,000 may be subject to gift tax.

  • For Federal Student Aid purposes, a 529 account in the child or parent's name counts as assets of the parent. Generally, putting the account in the parent's name is the best method.

  • Each state has different 529 plans with different structures and investment options. For more information on individual state plans, visit Morningstar's 529 center here.

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