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What You Should Know About Private Equity in Your 401(k)
Private equity (PE) is no longer just for institutions and millionaires. A change in Department of Labor guidance (under the Trump administration) now allows 401(k) plans to offer indirect exposure to PE through diversified funds like target-date or balanced funds. You still can’t pick a private equity fund directly in your retirement account — but…
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What You Need to Know About the New Tip & Overtime Deductions for 2025
In late 2025, the IRS issued several important Notices providing guidance on how employees, gig workers, and employers should handle tips and overtime pay for the 2025 tax year. These deductions—created under the One Big, Beautiful Bill Act—will impact millions of U.S. workers. Below is a clear breakdown of what the new deductions are, what…
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Startup, Organizational, and Syndication Costs — Knowing the Tax Difference
When launching a new business or investment fund, not all upfront costs are treated equally for tax purposes. The IRS divides early-stage expenditures into three main categories — start-up, organizational, and syndication costs — and each follows distinct tax rules. Start-Up Costs Start-up costs are incurred before a business begins active operations, such as due…
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Who Qualifies as an Accredited Investor? A Look at How the SEC’s Definition Has Evolved
An accredited investor is someone the SEC considers financially sophisticated enough to invest in private offerings—such as private equity, hedge funds, or venture capital—without the full disclosure protections required for public investments. The concept didn’t exist until 1982, when the SEC introduced it under Regulation D, Rule 501(a) to streamline capital raising while ensuring only…
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Early Withdrawals from your tax-deferred account
If you’re under age 59½ and withdraw money from a traditional IRA, the distribution will generally be taxable, and it may also be subject to a 10% early withdrawal penalty. However, understanding how withholding works, and when exceptions apply, can help you avoid surprises. Income Taxes vs. Withholding It’s important to distinguish between: These are…