Common questions

SBC 401(k) Education is a marketing and education service of SBC Social Marketing LLC, a Michigan limited liability company based in Grand Rapids, Michigan. It does not provide individualized investment, tax or legal advice.

A self-directed brokerage account, or SDBA, is an optional feature in some workplace retirement plans. It can expand the investment choices beyond the core menu, with additional rules, costs and responsibilities. Check the plan documents and provider materials to see whether it is available.

Not necessarily. Some plans allow advice or account management within the existing workplace plan. Availability depends on plan rules, provider features and the agreed advisory services. A rollover is a separate decision and is not required simply to read these resources.

Neither choice is automatically better. Compare fees, investment choices, withdrawal rules, creditor protections, plan-specific benefits and the services available before deciding. Ask appropriate professionals about the tax and legal implications.

Traditional contributions generally defer income tax until withdrawal. Designated Roth contributions are made with after-tax money, and qualified distributions receive different tax treatment. Plan features and personal tax circumstances matter; the guide links to official IRS rules.

The IRS publishes current contribution and catch-up rules. Limits can change, and eligibility and plan provisions matter. Confirm the applicable rules with the plan administrator rather than relying on an older statement or a general example.

Required minimum distributions are withdrawals that applicable tax rules require from certain retirement accounts. Timing depends on account type, birth date, employment circumstances and other rules. Inherited accounts have separate considerations. Use current IRS guidance and ask a qualified tax professional.

The quiz requires a ZIP code, seven answers including an investable-asset range, and your first name, last name, email and phone before showing results. It does not ask for account numbers. All completed submissions are saved. Results include educational reading suggestions, and a calendar link is shown only for investable assets of $250k or more. It is not a risk score or a recommendation.

No. About $500,000 or more in investable financial assets describes an audience focus, not an eligibility requirement. Readers below that amount are welcome. Investable assets means cash savings and financial investment accounts, including retirement accounts, not home equity.

Your information is shared with a financial advisor at SBC Financial, who will contact you. Advisory services are offered only through SBC Financial. SBC Social Marketing LLC is a marketing company, not a registered investment adviser, tax preparer or law firm. Requesting a review is separate from viewing quiz results.