GHST Capital

GHST Capital Financial Planning For Your Business

Retirement Planning - Advanced Tax Strategies

Find out why Fed rate cuts may be good for borrowers but harmful to your retirement savings—read our full update here.
09/18/2025

Find out why Fed rate cuts may be good for borrowers but harmful to your retirement savings—read our full update here.

When the Federal Reserve announces an interest rate cut, it often makes headlines as a win for borrowers. Lower rates reduce the cost of mortgages, auto loans, credit cards, and even business financing. Homebuyers may suddenly afford a bigger house for the same monthly payment. Families carrying cre

Recent data paints a concerning picture: 66% to 74% of small businesses (those with 100 or fewer employees) do not offer...
06/09/2025

Recent data paints a concerning picture: 66% to 74% of small businesses (those with 100 or fewer employees) do not offer retirement plans to their workers. According to Fidelity Investment’s 2023 Small Business Retirement Index, only 34% of small businesses provide retirement savings options, leaving 66% without.

Recent data paints a concerning picture: 66% to 74% of small businesses (those with 100 or fewer employees) do not offer retirement plans to their workers. According to Fidelity Investment’s 2023 Small Business Retirement Index, only 34% of small businesses provide retirement savings options, leav

Small business owners - Want to save thousands on taxes while boosting your team's retirement savings?  Our latest newsl...
06/02/2025

Small business owners - Want to save thousands on taxes while boosting your team's retirement savings? Our latest newsletter explains how the SECURE Act can help you offer SEP or SIMPLE IRAs with big tax credits and deductions.

Discover how small businesses can save thousands in taxes using the SECURE Act by offering SEP or SIMPLE IRAs. Learn about tax credits, deductions, and employee retirement benefits in our latest newsletter.

Proposed changes to federal retirement plans are sparking discussions about their impact on workers’ financial futures. ...
05/31/2025

Proposed changes to federal retirement plans are sparking discussions about their impact on workers’ financial futures. These reforms aim to adjust contribution limits, eligibility criteria, and tax incentives to better align with modern economic realities.

Federal retirement has been a hot topic on Capitol Hill lately, with proposed changes sparking plenty of questions. Here’s a look at what’s on the table now.

Here is a helpful Social Security Income calculator that will help you understand exactly what you can expect to receive...
05/31/2025

Here is a helpful Social Security Income calculator that will help you understand exactly what you can expect to receive in retirement based on your age and income.

This online Social Security benefits calculator estimates retirement benefits based on your age, retirement date and earnings. See what your benefits look like.

SEP IRAs offer business owners a flexible, tax-deferred retirement savings option with higher contribution limits than t...
05/31/2025

SEP IRAs offer business owners a flexible, tax-deferred retirement savings option with higher contribution limits than traditional IRAs, allowing for substantial wealth accumulation. They are easy to set up and maintain, with minimal administrative costs, making them ideal for small businesses or self-employed individuals. Contributions are tax-deductible, providing immediate tax savings while fostering long-term financial security for both owners and employees.

A Simplified Employee Pension IRA (SEP IRA) allows self-employed people and small-business owners to save up to $69,000 in 2024 and $70,000 in 2025 for retirement.

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