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  • Writer's pictureStephen H Akin

Robs 101

Updated: May 7

Invest funds from your retirement account into your business startup.

Invest in yourself.

Instead of investing in someone else's dream, invest in your own. Here is one example of a popular strategy to help fund a small business.


  • Entrepreneurs Receive Funding for Business

  • Begin your business journey with ROBS financing.


A rollover for business startups (ROBS) allows you to invest funds from an existing 401(k) or individual retirement account (IRA) into your business without paying early withdrawal penalties or taxes.


We can help you establish a strategy that allows you to combine a variety of retirement plans into one.


Avoid loan payments or interest with this worry-free strategy. Many clients use this debt-free method to fund themselves. There is no loan interest, and no credit is needed. Others may choose to use the funds as a down payment on a SBA 7(a) or 504 loan. Often to buy an existing business.

How many plans are being accessed or how many people are rolling in does not affect our fee. Perhaps the husband and wife both want to roll in—we just need one.


Most retirement plans qualify. These include 401(k), 403(b), 457, Annuity Plans, Cash Balance Plans, Defined Benefit Plans, Employee Benefit Plans, IRAs, Profit Sharing Plans, Thrift Savings Plans, Rollover IRAs, SEPS, and SIMPLE IRAs. The notable exceptions are a Roth IRA, a Roth 401k, or a non-spousal inherited IRA. Generally, the funds must be available, meaning prior employer.


It's a two-entity structure; first, we establish the operating entity, which is required to be a C Corp. Next, we establish a 401k plan for the C Corp. Now we have the employer and the employer's plan. The client can now roll all of a plan, portions of plans, or multiple plans; more than one person can roll. The funds go from where they are now into the new 401k account via a qualified rollover; therefore, there is no tax or penalty, regardless of the client's age. Then the client makes an investment decision.


International Research Forum on Monetary Policy: Monetary Policy Challenges during Uncertain Times

April 16-17, 2024

The Federal Reserve Board Hosts the IMF annual Monetary Policy Research Forum

Here are some of the comments from

this mornings meeting from FRB Vice Chair Philip N. Jefferson

This week the FRB is hosting the International Monetary Funds annual Research Forum.

Current Situation

Reflecting on the situation we are facing today, over the past year, inflation has come down significantly but is still running above the FOMC's 2 percent goal. In March, headline personal consumption expenditures (PCE) inflation was 2.7 percent over the past 12 months based on the Federal Reserve's staff estimates. A year earlier, it was 4.4 percent. Core PCE inflation, which excludes the volatile food and energy components, stood at 2.8 percent; a year ago, it was 4.8 percent. While we have seen considerable progress in lowering inflation, the job of sustainably restoring 2 percent inflation is not yet done.

Real GDP growth in the fourth quarter of 2023 was 3.4 percent, and I expect first-quarter economic growth to slow down but remain solid as indicated by the solid growth in retail sales in March and February. Recent readings on both job gains and inflation have come in higher than expected. The economy added an average of 276,000 nonfarm jobs per month in the three months through March, a faster pace than we have seen since last March. And the inflation data over the past three months were above the low readings in the second half of last year.

My baseline outlook continues to be that inflation will decline further, with the policy rate held steady at its current level, and that the labor market will remain strong, with labor demand and supply continuing to rebalance. Of course, the outlook is still quite uncertain, and if incoming data suggest that inflation is more persistent than I currently expect it to be, it will be appropriate to hold in place the current restrictive stance of policy for longer. I am fully committed to getting inflation back to 2 percent.


I would like to conclude by saying that in this environment of heightened uncertainty, it is increasingly important to comprehend what is driving uncertainty and how monetary policy might play a role in limiting the negative impact of uncertainty on businesses, households, and financial markets. Many of you in this audience have devoted a considerable amount of time to understanding the intricate link between uncertainty and economic outcomes. Your work has enriched our collective knowledge and has been instrumental in helping us policymakers understand the complexities of our decisions. Please keep it up!

The full text of todays presentation may be downloaded here:

Download PDF • 210KB


As a Registered Investment Advisor we can help design a strategy to help you reach your goals smarter and faster.

Take the next step, schedule a free consultation and learn how we can help you.

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