Self-employed? Don't forget to save for retirement? Owning your own business gives you the opportunity to forge your own path. Along with the freedom to work on your own terms and that includes your financial growth. While growing your business, you need to consider the future that you want in retirement. The drawbacks self-employment is that you have no employer-sponsored retirement plan and you must plot your own course for when saving for retirement. Fortunately, a 401(k) for the self-employed gives individuals four ways to save for the future. The top four providers of 401(k) plans for the self-employed include Fidelity Investments, John Hancock Retirement, Vanguard, and Merrill Edge. Read on to find out how these companies help self-employed individuals prepare for their financial future.

The adaptability of Fidelity Investments 401k plans gives you access to retirement professionals who can help you grow retirement funds. A wide range of investments gives you flexibility and contributions to your fund can be made by phone or mail. The tax benefits of a 401(k) are tax-deferred growth, taxable contributions, and pre-tax employee deferral contributions that will help you grow your business and your wealth for retirement.

Investment options with Fidelity Investments include investment opportunities with mutual funds, stocks, bonds, FDIC-insured CDs and ETF’s. One-on-one guidance is available in person, by phone or online along with research, tools will help you track your investments and make changes when you wish. Fidelity Investment 401(k) plans are only available to individuals who are self-employed or own their own business.

Another advantage of a 401(k) plan for the self-employed is that there are more options than if you are locked into an employer plan. John Hancock offers a Simplified Employee Pension (SEP) that is a popular choice for the self-employed. A SEP is simple and has high contribution limits, the opportunity to change your contribution percentage every year and it offers a maximum contribution of $50,000 or 25 percent of your compensation. There is a 10 percent tax penalty that applies to most money that is withdrawn before the age of 59 ½.

The SEP is not the only 401 (k) plan offered by John Hancock Retirement but it gives one of the highest contribution rates available for your personal investments. On the other end of the spectrum is the Traditional IRA that can give you an upfront tax deduction. Although contribution for 2016 is $5,500 if you are under 50 and $6,500 if you are over 50, a traditional IRA can give you an immediate tax advantage. John Hancock offers these two products and more for the self-employed.

Along with other 401(k) providers, Vanguard offers Individual IRA plans, and SEP-IRA and a Simple IRA plan that for the self-employed. Employee contributions of either pre-tax or Roth employee deferrals can contribute up to $18,000, per year, if you are under 50 and up to $24,000 if you are over 50. Contributions for this plan cannot exceed 100 percent of your earning compensation.

Merrill Edge

Individual or solo 401(k) plans allow you to take a tax deduction for contributions that come from your business while reducing your personal taxes. Reducing your tax liability is another advantage of a 401 (k) and there are an array of products that can help you with saving for the future and dealing with today’s tax liabilities. The Merrill Edge Individual 401(k) offers simple and straightforward pricing for the management of your investments, online access to your plan, 24/7, and educational resources to help you become as active in your investments as you are the growth of your business.

The Merrill Edge Individual 401(k) offers the added benefit of access to your money through a 401 (k) loan option, giving you, even more, flexibility with your money. The benefit of flexible contributions based on your cash flow and a contribution limits as high as $53,000. The easy online set-up can take less than 30 minutes so waiting until tomorrow to invest in your future is not necessary. Like most of the top 401(k) providers, the Merrill Edge plan offers help from a specialist who will gladly help you plan your future.

Ready for a heart pumping ride? The most exciting new trucks of 2020 have the power and handling to chew up any road without sacrificing comfort and technology. Reliable automakers such as Ford, Jeep, and Chevy have updated their most exciting trucks, and drivers will reap the many benefits. The 2020 Ford Raptor is one of the most powerful trucks on the market, a mid-size pickup that is part race car and part pickup for the best of both worlds. The 2020 Jeep Gladiator is the newest high-performance truck that provides unmatched off-road capability and versatility, ensuring drivers can tackle the toughest roads ahead. Not to be left in the dust, Chevy's Colorado and GMC Canyon are a pair of trucks with impressive power so that drivers can get where they want to go. Read on to find out more about the most exciting new trucks for 2020.

The 2020 Ford Raptor is known as the wild card, and Ford wanted it that way. There's not a better truck out there to get hearts pumping with excitement. Twenty feet in length, this pickup truck is also prepped to race off-road, even in the desert. The 450-horsepower V6 engine and impressively large off-roading tires allow this truck to race and drift at speeds of up to 60 miles per hour. Even though it can function in wide open spaces, this truck can also handle narrower city streets. Get the truck at a price slightly higher than that of the entry-level Ranger, which is around $25,000.

The 2020 Jeep Gladiator is one of the newest kids on the block, but it's had no problem fitting in. Made to be convertible, this new truck is the picture of versatility and function without sacrificing power or fun. Some of the features include a stretchable wheelbase, removable door, and roof, and a fold-down windshield. This truck is also built to haul, with a towing capacity of up to 7,650 pounds and a five-foot long cargo bed. Prices are reasonable for the Jeep Gladiator, at only slightly higher than the Jeep Wrangler SUV. Don't miss the chance to own the only convertible pickup truck on the market with the 2020 Jeep Gladiator.

The newest Chevy Colorado and GMC Canyon are a well-matched pair, each of which can appease the most discerning pickup truck driver. Due to stiff competition from trucks like the Ford Raptor and Jeep Gladiator, Chevy upped its game with extra features, including new gear and a new 10-speed automatic transmission. It doesnt end there. With improved high-quality horsepower from a turbo-diesel 4-cylinder engine, improved fuel economy, and greater towing capacity, theres a lot to love about these pickup trucks. These two midsize pickups also offer a wide variety of trim levels and available four and six cylinder engines, all of which provide the comfort, power, and safety that drivers expect.

Audi is a carmaker that is synonymous with performance, luxury, and style. People who want more out of their vehicles choose Audi because they know they are getting top of the line vehicles that are made to perform. There are plenty of models in the 2020 Audi lineup to choose from, but perhaps one of the most anticipated and versatile is the 2020 Audi Q5. Those who are currently in the market for a full-size SUV that delivers more technology, comfort, and performance than just about any other SUV in its class will be excited by everything the 2020 Audi Q5 has to offer for families of all sizes and people on the go. 

The Audi Q5 is a full-size luxury SUV that delivers power and performance in a sleek design that turns heads. The all new Q5 starts at approximately $43,300 for the base model, and comes in the 45 Titanium Premium and the 45 Premium. The Audi Q5 also comes in a Plug-in hybrid version that has a 2.0 TFSI 14 plus 14.1kWh battery delivering 349 hp.The Audi Q5 is a full-size luxury SUV that provides power and performance in a sleek design that turns heads. The all new Q5 starts at approximately $43,300 for the base model, and comes in the 45 Titanium Premium and the 45 Premium. The Audi Q5 also comes in a Plug-in hybrid version that has a 2.0 TFSI 14 plus 14.1kWh better delivering 349 hp. The available trim levels for the 2020 Audi Q5 include the Premium starting at $43,300, the Premium Plus starting at $47,700, and the Prestige starting at $51,450. One of the most standout features of the Prestige model is the Bang & Olufsen sound system. It features 3D sound with an impressive array fo 19 speaker and a 755 watt, 16-channel amplifier.

The standard features of the Q5 are also quite impressive. The technology/infotainment features come with Bluetooth wireless streaming audio compatibility, a Homelink garage door opener, MMI Radio with a 7” screen, HD Radio technology, Apple CarPlay and Google Android Auto. As far as standard driver assistance features, it has Audi driver select, Hill descent control, Audi pre sense basics, rain/light sensor, and Audi pre sense city. The interior has three zone climate control, heat insulated glass, leather seating, auto dimming interior and exterior mirror, and a 3-spoke multifunction steering wheel featuring shift paddles. 

The Audi Q5 has impressive safety features too. It has an electromechanical parking brake, ABS with electronic pressure distribution, tire pressure monitoring, rear view camera, LATCH in rear seats, and power central locking system with safety unlock system. The exterior has a single frame grille, sport line bumpers, 18” wheels, power tailgate, rear privacy glass, heated mirror, aluminum window trim, Xenon headlamps, and LED taillights. All of these options and features are combined into a sleek sophisticated style that is unmistakably Audi. It is the right choice for those who want all the Audi name has to offer and plenty of space and comfort to make traveling a dream. 

Tahiti is a dream destination for many and no wonder. Its stunningly clear waters and bright turquoise lagoons make it the perfect place to get away from it all and truly relax in paradise. One of the best ways to experience all Tahiti has to offer is by taking a vacation here. From luxurious resorts to private villas, plenty of accommodations can fit any budget and need.

When planning a Tahiti vacation, the first step is to figure out what type of vacation you'd like to experience. There's something for everyone - from adventure-seekers looking for an exciting escape to those just wanting some time in the sun and sand. Whether staying on the main island, taking a cruise around the islands, or renting a yacht and sailing away, there's something for everyone in Tahiti.

Once you have your accommodation sorted out, it's time to start planning some fun adventures. Water sports are popular in Tahiti, ranging from snorkeling and diving to jet skiing and paddleboarding. You can even take a glass-bottom boat tour to get an up-close view of the marine life below. For land lovers, there are plenty of hiking trails where you can explore the tropical rainforest and learn about the local culture.

No Tahiti vacation would be complete without experiencing some of its unique cultures. This includes taking in a traditional Polynesian show or craft making, visiting the local marketplaces, and sampling some amazing local cuisine.

Tahiti is a safe and secure tourist destination with low crime rates and a friendly local population. However, like any vacation spot, it's important to be aware of your surroundings. When planning outdoor activities like swimming or hiking, thoroughly research the area and follow safety instructions. It's also wise to travel in a group and be aware of your belongings at all times. When visiting Tahiti, it's important to be aware of your surroundings and follow safety instructions. For those looking for a peaceful, safe, and romantic vacation destination, Tahiti is the ideal choice. With its stunning beaches, lush landscapes, and rich culture, this exotic paradise is sure to provide unforgettable memories that will last a lifetime.

Tourists in Tahiti can enjoy various activities, including swimming, snorkeling, jet skiing, paddle boarding, glass-bottom boat tours, traditional Polynesian shows, craft making, hiking in the tropical rainforest, visiting local marketplaces, and sampling the local cuisine. With its beautiful beaches and lush landscapes, there is no shortage of things to do in Tahiti - from exciting adventures to peaceful relaxation. Whatever your interests, there is something for everyone in this tropical paradise.

Finally, no trip to Tahiti would be complete without visiting Papeete. Whether exploring the bustling city streets of this vibrant capital or just soaking up its laid-back atmosphere, Papeete is a must-visit for any Tahiti vacation.

A Tahiti vacation can be the perfect way to relax and recharge in paradise. With its idyllic beaches, vibrant cities, and unique culture, it's an experience you'll never forget. So make sure to add a trip to this tropical paradise to your bucket list - you won't regret it.