California state Retirement Savings ProgramCalSavers Retirement Savings Program 또는 CalSaver(이하 “ 칼세이버”)는 캘리포니아 주민들이 적극적으로 은퇴 준비를 하도록 권장하는 프로그램입니다.
100인 이상의 사업장을 시작으로 시차를 두고 시행되고 있으며 최소 5인이상의 사업장에서는 2022년 6월 30일까지 의무적으로 등록을 마치도록하고 있습니다. 이러한 법 절차에 따른 은퇴계좌의 설립 및 운용을 강제 시행하는 데에는 소셜연금의 가속화 되는 자산 고갈과 평균수명의 연장, 그리고 근로 납세자 대비 은퇴 후 소셜 급여 수령자의 비율 불균형등이 크게 영향을 끼친 이유가 있을 것으로 추측됩니다.
이러한 내용은 비단 캘리포니아에만 해당되는 내용이 아닙니다. 캘리포니아외에 버몬트주, 워싱턴, 매사츄세스,뉴 멕시코, 커넥티컷, 메리랜드, 뉴저지등 2021년 연말기준으로 14개주가 시행을 하고 있거나 계획을 밝히고 있는 것을 보면 전국적인 추세로 여겨집니다.
은퇴플랜은 선택이 중요합니다
어떤 플랜이 유리한지 알아보셔야 합니다!
사업장에서 ERISA Plan/ Qualified Retirement Plan 중에 한가지를 제공할 경우 Exempt(가입예외신청)을 할 수 있습니다. CalSaver Retirement Plan의 관리와 신청은 대리인을 통하지 않고, 사업주가 직접 신청하도록 하고 있습니다. 문의를 주시면 블루앵커의 재정전문팀이 사업장에서 칼세이버에 비해 더 효율적으로 운용할 수 있는 플랜이 있는지 비교 검토해 드리고, 그에 맞는 플랜을 찾아 사업주께서 편안하게 사업에 전념하실 수 있도록 양질의 서비스를 제공해 드리겠습니다.
사업주를 위한 은퇴플랜
SEP IRA / SIMPLE IRA
사업체 IRA Plan
Contribution Limit 2022
– SEP IRA : $61,000
– SIMPLE IRA : $14,000 + $3,000(age 50+)
Defined Contribution Plan
Contribution Limit 2022
Profit-Sharing : $61,000
401(k) : $20,500 + $6,500(age50+) + p/s portion
– Traditional
– Safe Harbor
– Solo 401(k)
Defined Benefit Plan
The annual benefit limit for defined benefit plans 2022: $245,000
– Traditional Actuarially Funded
– Defined Benefit Select
– Fully Insured 412(e)(3)
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