Articles by Justin Gluska

A non-recourse loan lets you finance a property without putting personal assets at risk beyond the collateral. This type of financing can appeal to real estate investors who want to protect personal wealth or developers looking for project funding.  In this guide, we’ll explain what non-recourse loans are, highlight their benefits and risks, and cover qualification [...]

Market ups and downs, inflation concerns, and global uncertainty often push retirement savers to look beyond traditional stocks and bonds. Gold is frequently viewed as a tangible store of value and a potential safeguard. For many, the question becomes simple: Can you invest in gold through a 401k? The short answer is yes, but not always in [...]

Deciding who will inherit your 401k is more than just paperwork. It’s about making sure the savings you worked for actually help the people you intend. When the beneficiary isn’t a spouse, the rules can feel less straightforward, and mistakes may leave loved ones with stress instead of security. This guide walks through what it means [...]

2025 is shaping up to be a strong year for savers. With the Federal Reserve keeping its benchmark rate in the 4.25% to 4.50% range, online banks and credit unions are competing aggressively for deposits by offering APYs close to 5%. That’s much higher than the rates at most traditional banks and gives savers the [...]

If you’re self-employed or run a small business with no full-time employees, the Fidelity Solo 401k may be worth considering as a retirement savings option. Fidelity does not charge account maintenance fees and offers access to a broad selection of investments, including mutual funds, ETFs, individual stocks, and bonds. The platform also provides $0 commission online [...]

Investing a Solo 401k in a certificate of deposit (CD) combines retirement savings with a conservative banking product. For self-employed individuals, CDs may provide steady earnings and reduced exposure to market swings. By locking in a fixed rate and knowing the maturity date, they can serve as a cautious part of a broader retirement plan. Before [...]

Are you a self-employed plumber looking for a way to save more for retirement and lower your taxes? Many independent tradespeople wonder if a Solo 401k could be the right fit. The good news is that plumbers who operate their own businesses or work as independent contractors are typically eligible to open one. A Solo 401k [...]

Giving through your retirement savings can be a rewarding way to support causes you care about, while also unlocking potential tax benefits — if it’s done correctly. The most common tax-friendly method, the Qualified Charitable Distribution (QCD), is available only through IRAs, not directly from Solo 401k plans.  That doesn’t mean Solo 401k owners are out [...]

Looking for ways to maximize your retirement savings?  If you are a technology consultant and operate your own consulting business without full-time employees, a Solo 401k might be an excellent fit. Solo 401ks provide self-employed professionals with higher contribution limits and tax benefits compared to many other retirement plans. This can be especially useful for technology consultants [...]