Small Retired
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 Swarovski Crystal Disney SORCERER MICKEY SMALL 955427 Retired NEW $119.95 Time Remaining: 23d 19h 7m Buy It Now for only: $119.95 |
 Swarovski Retired Centenary 1995 Small Swan on Pedestal in Box w COA $49.99 Time Remaining: 9h |
 Swarovski Silver Crystal RARE Small HEDGEHOG retired 1987 with display mirror $125.00 Time Remaining: 28d 15h 54m Buy It Now for only: $125.00 |
 RETIRED SWAROVSKI SMALL PINEAPPLE SMOOTH GOLD LEAF 012726 MIB COA $49.95 Time Remaining: 1d 14h 11m Buy It Now for only: $49.95 |
 Stunning Swarovski Lead Crystal Swan A7633NR038000 Small 1 1 2 Retired $34.95 Time Remaining: 24d 10h 55m Buy It Now for only: $34.95 |
 SWAROVSKI COMBO LARGE SMALL ELEPHANT WTH FROSTED TAILS RETIRED MIB COA $189.95 Time Remaining: 20d 8h 32m Buy It Now for only: $189.95 |
 SWAROVSKI SMALL BUTTERFLIES BLUE RETIRED 2011 MIB 955429 $108.00 Time Remaining: 22d 9h 55m Buy It Now for only: $108.00 |
 SWAROVSKI SILVER CRYSTAL SMALL HEDGEHOG Art 7669 NR 35 with Box Retired $24.49 Time Remaining: 13h 54m |
 2 SWAROVSKI CRYSTAL RHINOCEROS FIGURINES LARGE AND SMALL RETIRED MIB WITH COAS $99.95 Time Remaining: 17d 6h 30m Buy It Now for only: $99.95 |
 SMALL CASTLE ON A CLOUD MADE FROM SWAROVSKI CRYSTAL RETIRED $49.99 Time Remaining: 22d 19h 54m Buy It Now for only: $49.99 |
 SWAROVSKI Retired Large Koala Bear + Small Koala MIB $149.99 Time Remaining: 29d 5h 8m Buy It Now for only: $149.99 |
 Retired Swarovski Crystal Small Blow Fish $29.99 Time Remaining: 6d 9h 25m Buy It Now for only: $29.99 |
 ZODIAC TIGER SMALL RETIRED ONE discounted new in box $41.98 Time Remaining: 21d 11h 28m Buy It Now for only: $41.98 |
 Swarovski Retired Small Falcon Head with original box and COA $59.99 Time Remaining: 2d 6h 47m Buy It Now for only: $75.99 |
 SWAROVSKI VM COLOR SMALL PYRAMID PAPERWEIGHT RETIRED $139.99 Time Remaining: 23d 23h 53m Buy It Now for only: $139.99 |
 SWAROVSKI SMALL BEAR 010004 VARIATION 1 RETIRED MIB COA $79.95 Time Remaining: 18d 5h 55m Buy It Now for only: $79.95 |
 SWAROVSKI BLUE STORE DISPLAY OVALS 1LG 12MD 1SM MIB RETIRED MC $45.00 Time Remaining: 22d 12h 21m Buy It Now for only: $45.00 |
 Swarovski CANDLEHOLDER 144 Small Retired 1990 $79.99 Time Remaining: 16h 28m Buy It Now for only: $79.99 |
 SWAROVSKI SMALL MOUSE Var2 RETIRED 1991 MIB $45.00 Time Remaining: 16d 11h 46m Buy It Now for only: $45.00 |
 Swarovski Crystal Chaton Small paperweight retired excellent condition no box $24.90 Time Remaining: 2d 16h 19m |
 SWAROVSKI SMALL BEAR 010004 VARIATION 3 RETIRED MIB COA $79.95 Time Remaining: 18d 6h 36m Buy It Now for only: $79.95 |
 SWAROVSKI CAL SMALL PYRAMID PAPERWEIGHT RETIRED $108.99 Time Remaining: 24d 18h 49m Buy It Now for only: $108.99 |
 Swarovski Crystal Figurine FELIX Small Christmas Tree 665024 New Retired RARE $54.99 Time Remaining: 1d 19h 27m Buy It Now for only: $54.99 |
 SWAROVSKIRETIRED1996SMALL TURTLEOld Block S Mark Mint in Box $49.99 Time Remaining: 1d 14h 18m Buy It Now for only: $49.99 |
 Swarovski Small Turtle Endangered Spiece 7632 030 000 Retired Dec 1996 MIB $60.99 Time Remaining: 1d 17h 42m Buy It Now for only: $60.99 |
 SWAROVSKI BLUE STORE DISPLAY OVALS 1LG 14MD 7SM RETIRED MC $25.00 Time Remaining: 2d 18h 17m |
 RETIRED AND RARE Crystal World Small Swan $45.00 Time Remaining: 1d 13h 32m Buy It Now for only: $45.00 |
 SWORNAMENT ORNAMENT CHRISTMAS TREE 601494 RETIRED SMALL BRAND NIB FREE SHIPPING $29.99 Time Remaining: 21d 10h 51m Buy It Now for only: $29.99 |
 SWAROVSKI SMALL RHINOCEROS 151521 7622060000 RETIRED MIB COA $84.95 Time Remaining: 14d 16h 28m Buy It Now for only: $84.95 |
 zodiac tOX small one retired 7693NR000002 swarovski $19.99 Time Remaining: 7d 10h 43m Buy It Now for only: $19.99 |
 SWAROVSKI BB Z SMALL PYRAMID PAPERWEIGHT RETIRED $229.99 Time Remaining: 23d 23h 48m Buy It Now for only: $229.99 |
 Swarovski Small Galet Smokey Blue Green Pendant Necklace Retired Stonehenge NIB $42.90 Time Remaining: 2d 19h 25m Buy It Now for only: $54.90 |
 Swarovski Small Swan 7633 NR038 Retired COA BOX $149.99 Time Remaining: 20d 9h 9m Buy It Now for only: $149.99 |
 Swarovski Lovable Lila Small Purple Duck Crystal Figurine 1041292 New Retired $59.99 Time Remaining: 1d 19h 25m Buy It Now for only: $59.99 |
 SWAROVSKI ORNAMENT CLEAR COMET 601490 RARE RETIRED SMALL BRAND NIB FREE SHIPPIN $36.99 Time Remaining: 1d 7h 17m Buy It Now for only: $36.99 |
 BEAUTIFUL SWAROVSKI CRYSTAL SMALL SWAN FIGURINE RETIRED 2004 $69.99 Time Remaining: 25d 9h 9m Buy It Now for only: $69.99 |
 SWAROVSKI GIFT ORNAMENT CLEAR BELL 601492 RETIRED SMALL BRAND NIB FREE SHIPPING $29.99 Time Remaining: 21d 11h 57m Buy It Now for only: $29.99 |
 SWAROVSKI SMALL TABLE BELL BNIB 7467NR0390000 RETIRED $79.98 Time Remaining: 7d 12h 31m Buy It Now for only: $79.98 |
 B50 Collectible Swarovski Crystal Small Blowfish Figurine Retired $6.50 (6 Bids) Time Remaining: 3d 8h 39m |
 Swarovski Crystal Figurine Small Poinsettia Flower Ornament 905210 New Retired $49.99 Time Remaining: 1d 19h 29m Buy It Now for only: $49.99 |
 SWAROVSKI MICKEY SORCERER SMALL 995427 RETIRED BNIB $124.95 Time Remaining: 26d 9h 23m Buy It Now for only: $124.95 |
 Swarovski CRYSTAL WORLD RARE RETIRED SMALL SWAN MIB $66.49 Time Remaining: 21d 22h 7m Buy It Now for only: $66.49 |
 SWAROVSKI WATERLILY SMALL 838181 Water Lily BNIB COA Retired $139.95 Time Remaining: 27d 18h 43m Buy It Now for only: $139.95 |
 SWAROVSKI ORNAMENT CLEAR STAR 601493 RARE RETIRED SMALL BRAND NIB FREE SHIPPING $33.99 Time Remaining: 20d 8h 14m Buy It Now for only: $33.99 |
 Swarovski Small Water Lily Candle Holder Retired $64.99 Time Remaining: 3d 15h 16m |
 SWAROVSKI CRYSTAL RETIRED SMALL FROG BLACK EYES COMPLETE IN BOX COA $49.99 Time Remaining: 13d 14h 29m Buy It Now for only: $49.99 |
 SWAROVSKI PYRAMID SMALL BRAND NIB ITEM 7450NR40095 RARE RETIRED FREE SHIPPING $139.98 Time Remaining: 13d 12h 27m Buy It Now for only: $139.98 |
 SWAROVSKI PARADISE ALIBEY SMALL DRAGONFLY RETIREDMIB $295.00 Time Remaining: 2d 13h 6m Buy It Now for only: $295.00 |
 SWAROVSKI HEDGEHOG SMALL BRAND NEW IN BOX ITEM 13989 RETIRED RARE FREE SHIPPING $79.99 Time Remaining: 11d 14h 13m Buy It Now for only: $79.99 |
 SWAROVSKI GRAPES 7550 020 015 Small Var 1 RETIRED MIB $495.00 Time Remaining: 23d 18h 7m Buy It Now for only: $495.00 |
 Swarovski Small Square Reddish Brown Necklace Retired Galet Stonehenge NIB $34.90 Time Remaining: 5d 10h 12m Buy It Now for only: $43.90 |
 RETIRED SWAROVSKI GRAPES 7550 020 015 Small Var 1 $389.00 Time Remaining: 2d 15h 51m Buy It Now for only: $389.00 |
 SWAROVSKI WATERLILY CANDLEHOLDERSM RETIRED MIB $149.95 Time Remaining: 29d 8h 12m Buy It Now for only: $149.95 |
 Retired Swarovski Bear Small 7637 054 000 010 004 $89.00 Time Remaining: 2d 18h 1m Buy It Now for only: $89.00 |
 Gorgeous Swarovski Small Mini Crystal Pineapple Gilt Brass Crown Retired Weight $110.00 Time Remaining: 5d 13h 42m Buy It Now for only: $110.00 |
 SWAROVSKI Crystal SWAN Small 1 1 2 Tall Mint Retired w Swan Logo $27.00 Time Remaining: 24d 6h 10m Buy It Now for only: $27.00 |
 Authentic Signed Swarovski Nirvana Ring Sapphire Blue NEW 190 Retired Small $135.00 Time Remaining: 5d 11h 42m |
 Retired Swarovski Crystal Polly Small Doll Pendant Necklace 1110381NIB $158.88 Time Remaining: 18d 12h 49m Buy It Now for only: $158.88 |
 SWAROVSKI CRYSTAL SMALL MOUSE VAR 2 1 11 16 INCHES TALL RETIRED 1991 $80.00 Time Remaining: 26d 8h 55m Buy It Now for only: $80.00 |
 SWAROVSKI Crystal OWL 1 1 2 Tall w Block Logo MINT RETIRED SMALL $35.00 Time Remaining: 24d 6h 23m Buy It Now for only: $35.00 |
 Swarovski Small NeoClassic Candle Holder NIB RETIRED FREE SHIPPING $129.00 Time Remaining: 8d 18h 1m Buy It Now for only: $129.00 |
 Swarovski Crystal Falcon small retired 91 MIB $179.00 Time Remaining: 15d 7h 2m Buy It Now for only: $179.00 |
 Swarovski Small Turtle 7632 030 000 Retired Dec 1996 MIB $17.99 Time Remaining: 5d 15h 18m |
 Swarovski Crystal Small Table Bell Retired 99 MIB $75.00 Time Remaining: 15d 10h 9m Buy It Now for only: $75.00 |
 RETIRED SWAROVSKI CRYSTAL SMALL BLOWFISH BOX CERTIFICATE $39.00 Time Remaining: 6d 15h 14m Buy It Now for only: $39.00 |
 SWAROVSKI SILVER CRYSTAL RETIRED SMALL WATER LILY MINT $99.00 Time Remaining: 6d 12h 14m Buy It Now for only: $99.00 |
 2 Swarovski SILVER Butterflies Large Small RETIRED both With box and COAs $105.00 Time Remaining: 10d 19h 34m Buy It Now for only: $105.00 |
 2 Swarovski SILVER Blowfish LARGE and SMALL RETIRED With boxes and COA $135.00 Time Remaining: 12d 22h 50m Buy It Now for only: $135.00 |
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Saving for Retirement: It’s not Too Late for Baby Boomers
The tax filing deadline may have passed, but many small business owners, professionals, and the self-employed still feel the pain of writing big checks to the IRS. Many of those same people are baby boomers who haven’t saved enough for their retirement, and are wondering how they can catch up.
After tax-season is an ideal time to consider an amazing tax-deferral vehicle -- the very small business pension plan. Surprisingly, this is still a little known way for the self-employed to legally defer taxes on up to 100% of their income when they save it for retirement, paying taxes on it only when the money is withdrawn to use later in life.
The story: A very small business pension plan is a defined benefit plan for 1-5 person companies or individuals with self-employment income (even employed people who earn self-employed income on the side qualify). The amount of money that can be contributed annually is not limited to $50,000, as would be the case with a defined contribution plan like a small business 401(k). Nor is it limited by the amount of your current year earnings (the contribution may not be limited by the earnings, but the tax deduction is limited to current year earnings). Instead, the contribution to a defined benefit plan is determined based on age, years to retirement and the average of the three highest years of earnings.
The result: If you are self-employed, own and run a small company with up to five employees, or have a substantial side income from consulting or director’s fees, you may be able to contribute - and deduct from income – $180,000 or even more each year! We are talking about truly HUGE tax deferrals - more than enough to start retirement years earlier.
The details: There is no specified limit on your contributions. Instead, the limit is on the allowable benefit, not the contribution. The benefit is the amount your plan will pay out annually in retirement, and that can be up to an average of your three highest years of income up to $180,000 a year. The contribution is what you pay in each plan year. In general, you can contribute up to the amount you need to accumulate the funds to pay you the specified benefit after retirement. So, for example, a 52 year old that plans to retire at age 62 with an annual income of $200,000 can contribute – and deduct from his taxable income each year as much as $169,476 each year for an estimated annual tax savings of $67,790.
And that’s not all. Contributions can be invested in virtually any traditional investment vehicle, from stocks and bonds through mutual funds and annuities. When you retire, you have all the options of any other kind of retirement plan, including rolling the plan’s assets into a Rollover IRA. And, of course, contributions to the plan grow tax-deferred until you take a distribution.
There are no onerous restrictions on you either. You can stop the plan at any age and roll the value of your benefit over to an IRA. Routinely, however, a plan is expected to be maintained at least 3 years and the earliest retirement date is age 55.
Of course, not everyone qualifies. This program is designed for self-employed people age 45 or older, with no more than five employees, and who typically earn at least $75,000 a year from their work. And of course, to get their retirement savings caught up to the amount they will need, they must be willing to make a significant contribution each year for the life of the plan.
The really nice thing is that eligible people don’t have to be pension experts to make this work. A completely packaged program, OnePersonPlus® is available from financial advisors that work with Dedicated Defined Benefit Services, the company that designed and offers the plan. Some of the advisors offering the plan work with The Hartford, Oppenheimer Funds, and Pioneer Funds, but investors with a preferred advisor should ask them to run an illustration at www.onepersonplus.com or call 1-866-269-2706 to speak with a defined benefit plan consultant.
This is the right time to learn how to get rid of the after tax-time blues so you can get caught up on your retirement planning in just a few years.
About the Author
OnePersonPlus co-founder and CEO Karen Shapiro has served as an Internet strategy and marketing consultant to executives at startups and Fortune 500 companies. In her former role as Senior Vice President and Director of Bank of America's Online Channel Management, she was responsible for Internet Strategies, Content, User Experience, and Online Advertising worldwide for the bank's award winning Web sites. Karen holds a Ph.D. in communications research from Stanford University and a BA cum laude in cognitive psychology from Columbia University.