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sep ira vs 401k

I also wonder if self employed individuals can use both an IRA and a 401K like those of us with corporate jobs can. Twitter. It allows you to contribute toward your retirement savings while doing the same for your employees. See The SEP for IRA LLC Solution: Retirement Savings For Small Businesses & The Self-Employed for more. A SEP IRA or individual 401(k) can be set up as late as the due date (including extensions) for the business’s tax return for the year. FINRA’s BrokerCheck. A SEP IRA differs from a self-employed 401(k) plan with respect to the following features: Suitability: Both plans are available to small business owners and self-employed individuals. IRAS. Employer contributions and employee deferrals. When you work for an employer, you can usually count on there being a 401(k) plan or something similar already in place that you can contribute to. Infographic: SEP IRA vs Solo 401(k) for Self-Employed Business Owners Simplified Employee Pension (SEP IRA) Overview and Eligibility Requirements. With a solo 401(k), a self-employed business owner can make contributions as both the employee and the employer. Employees become … Solo 401(k) vs. SEP-IRA Comparing solo 401(k)s and SEP-IRAs for the self-employed. SEP IRA and 401(k) plan accounts are owned by the employee, who can choose between a range of investment options. The Simplified Employee Pension Plan (“SEP”) IRA and the 401k Profit Sharing Plan (401k PS) are two of the most common retirement plans for successful small businesses and self-employed individuals, since they offer high contribution limits and flexible annual contributions. Therefore employees do not contribute to their own accounts. The simple answer to this question is that SEP IRAs are retirement accounts opened by freelancers while 401(k)s are retirement accounts administered by larger companies for their employees. You can’t open a solo 401(k) plan if … To determine how much you can contribute based on your income use the interactive Individual 401k calculator. SEP IRAs and solo 401(k)s are tax-deferred retirement savings vehicles for small business owners. All rights reserved. SEP-IRA. For example, if you made $15,000 of eligible compensation, you could sock all $15,000 of it away with a Self-Employed 401(k), but only $3,750 with a SEP IRA.” To me, this is the most … If you’re deciding between a solo 401(k) and a SEP IRA, and you have employees, the choice is easy: SEP IRA. SEP IRA vs. Solo 401K vs. Also, there is no rule  stopping you from making additional contributions to a traditional IRA or Roth IRA for  yourself, though the amount you can claim as tax-deductible may be limited. Those who have full-time employees can save for retirement using a SEP IRA… All profit sharing contributions must be made to a traditional account. You just need your employer identification number to apply. Solo 401k plans for 2020 enable a business owner to put 100% of income away to a … SEP IRA, Solo 401k for small business is broke down in an LLC vs. S Corp explanation. If you don’t know where to begin to set up the plan the best fits your needs, a financial advisor can help. Most providers offer access to an array of funds with which you can build your SEP IRA portfolio. But which is right for you—the SEP or 401k PS? SEP-IRA vs. Solo 401(k) SEP-IRA: Solo 401(k) Who can contribute? This is because they allow for a fixed $18,500 Salary Deferred portion, regardless of how much your business makes. SEP-IRA. If you have questions or need advice contact us. Another important distinction between the SEP IRA versus the Individual 401k is the loan feature. However, when you work for yourself, it's a different story. If you can’t put away more than $6,000, you should go with the SEP IRA until you can afford to save more. So which type of retirement plan makes the most sense for you? They are IRA, Simplified Employee Pension aka SEP, a Keogh Plan, or a 401k plan. A SEP provides high maximum contribution limits, but an Individual 401k may allow a greater contribution at the same income level. The Most Significant Distinctions Between the SEP IRA vs Solo 401k. The simple answer to this question is that SEP IRAs are retirement accounts opened by freelancers while 401(k)s are retirement accounts administered by larger companies for their employees. Solo 401(k) Vs. SEP IRA. Solo 401k allows for higher annual contribution limits than a SEP IRA. You can contribute more to a Solo 401k vs. SEP IRA . For self-employed people, I agree that unless you want to tax shelter money over and above the standard contribution of the 401k, you’re better off with the SEP IRA. Self-Employed Retirement Plan Faceoff: SEP IRA vs Solo 401K vs SIMPLE IRA Last updated: January 3, 2020 G.E. Other retirement plans, such as Traditional IRAs and 401(k) plans, can be rolled over into a SEP-IRA. Potentially greater retirement contributions at the same income level, therefore maximizing retirement contributions and valuable tax deductions. How Much Do I Need to Save for Retirement? A SIMPLE IRA allows both the employee and the small business owner or sole proprietor to make contributions. Solo 401(k)s and SEP IRAs are both alternative types of employer-sponsored retirement plans. Retirement Savings for Freelancers: Solo 401(k) vs. SEP IRA How to choose the best tax-advantaged retirement savings plan if you’re self-employed. If you are the sole proprietor of a small business, you can choose between using a SIMPLE IRA or a SEP-IRA for yourself and your employees. But if this proves to be more expensive than beneficial, you can set up a solo or individual 401(k) plan for your business. The contribution limit calculation in an Individual 401k is important because it allows you to potentially save more than a SEP IRA at the same income level. If you have employees, they can make contributions. If this sounds like you then keep it simple and set up a SEP IRA. Employees must be at least 21 to participate in either of these these plans. A SEP differs from other plans in that it allows contributions from employers only and resembles a profit-sharing plan. This ensures that the government starts receiving taxes on your savings. Adam has been writing for The Motley Fool … As with a corporate 401(k), you, as an employer, can also contribute to your solo 401(k). For the SEP IRA, your contributions are 20% of your income which means your business needs to earn at least $275,000 in income before you can max out your contributions. As for those who are self-employed, I believe the limit is 20% of income to a SEP IRA vs. 25% to a solo 401k. Everyone’s personal situation is different and there is no single definitive superior retirement plan for every individual who earns self-employment income. IRS rules do not permit a loan in a SEP IRA, but an Individual 401k loan of up to half of the plan's value up to a $50,000 maximum is allowed. Employer contribution limits: The … First, you have to know what it is. SEP IRA vs. Self-Employed 401(k) Plan. Jim Barnash is a Certified Financial Planner with more than four decades of experience. In 2019, as an employee, you can contribute up to $19,000 to your solo 401(k), and an additional $6,000 if you are at least age 50. sep ira vs. 401k. The IRS defines this as your net earnings from self employment minus one half of your self employment tax and the contributions you made to your plan as an employee. INDIVIDUAL 401(K) No common-law employees. Converting from a SEP IRA to an Individual 401k and transferring retirement assets from a SEP IRA to a new Individual 401k can be accomplished by completing some minor administrative paper work. That’s the document designed to paint a financial and compliance. The only con to a solo 401(k) is that it may involve a little more paperwork, so it’s only worth setting up if you’re looking to make large contributions to it. 1. In 2020 participants in an Individual 401k can contribute up to 100% of the first $19,500 ($26,000 if age 50 or older) of W-2 compensation or net self employment income for a sole proprietorship. Employer only; must contribute for all eligible employees. The SEP IRA and Individual 401k are the two most common retirement plans chosen by successful self employed individuals and owner and spouse businesses due to their high contribution limits and flexible annual contributions. And the money you invest in them grows free of taxes. But the differences don't stop there. So if you contribute 20% of your compensation toward your own SEP IRA, you must also contribute 20% of each eligible employee’s compensation to his or her individual plan. You can build a diversified portfolio with a variety of funds like stocks, bonds and mutual funds. However, they have their own unique benefits. By. Self-employment has many perks. It’s a retirement … To help choose the right plan for your business, you need to understand their features and match them to your priorities (e.g., higher contributions or simpler administration). Another issue to consider is whether you’d like to have the option of borrowing against your retirement plan by using your retirement plan's balance as collateral and receive an Individual 401k loan. In truth, you can’t go wrong with either. But your earnings are tax-free when you make qualified withdrawals. In answer to your first question, the answer is generally yes. Saving for retirement is one of the most important financial goals that we need to achieve in our lifetime. Employers can offer a 401(k), a SEP IRA, or SIMPLE IRA, while individuals can set up a traditional or Roth IRA. Plus, the fact that you must contribute toward each employee’s plan can make this a particularly expensive choice. Employee and employer. SEP IRA vs 401k: Some Background The main differences between the three retirement vehicles mentioned above, are going to be the tax benefits and who they are designed to work for. So how do you choose? The Simplified Employee Pension Plan (“SEP”) IRA and the 401k Profit Sharing Plan (401k PS) are two of the most common retirement plans for successful small businesses and self-employed individuals, … IRA vs 401k: Understanding the difference between the two. For a sole … If you have a solo 401k, are you required to contribute to it at all, or can you choose a SEP IRA in any given year? 401(k) vs. IRA: An Overview . A SEP IRA stands for “Simplified Employment Plan” IRA. INDIVIDUAL 401(K) For the 2020 tax year, $19,500 ($26,000 for employees age 50 or older). Evan Ross 4 min read. A simplified employee plan (SEP) IRA is a type of IRA that works well for the self-employed or the small business owner. SEP IRA vs Individual 401k Selecting the right retirement plan can be confusing and the subtle differences between options can sometimes be overlooked. Small businesses have 3 basic retirement plan options today – 401k, SIMPLE IRAs, and SEP IRAs. But it also comes with a lot of responsibilities — not the least of which is saving for your own retirement. But this can be an expensive proposition since contributions for employees must match the percentage of the salary that the owner makes for themselves. Each of these plans that can help you save for retirement. You’d most likely need to sign a plan adoption agreement and fill out an application. It is only when you hire full-time employees that a SEP IRA makes sense. We provide more information about them on our website www.definedbenefitplan.com. Facebook. Once you take the match away IRAs become far better than 401ks. As detailed above, the Solo 401(k) is the far superior option for the self-employed. The term IRA stands for “Individual Retirement Account,” one of the two most standard retirement accounts that any individual can have. Based on the scope of your business, an SEP IRA may make more sense for your small business than a 401k or other retirement alternative. Luckil… For a sole proprietor, this means that you can set up the plan and make contributions for a given year as late as April 15 of the following year (or October 15 of the following year if you filed for an extension). This means your contributions are tax deductible and your money grows tax-free. But they’re also allowed to open their own traditional or Roth IRAs. That’s due to the employees’ ability to make contributions to a Solo 401(k). Infographic: SEP IRA vs Solo 401(k) for Self-Employed Business Owners Simplified Employee Pension (SEP IRA) Overview and Eligibility Requirements. SIMPLE IRA SEP IRA; Who can contribute: Employee and employer. Jim has run his own advisory firm and taught courses on financial planning at DePaul University and William Rainey Harper Community College. Sep-IRA vs Solo 401K If you work as an independent contractor, meaning you get a Form 1099 each pay period instead of a W-2, you’re responsible for your own benefits, including a retirement plan. 401k plans. SEP IRA vs 401k: How SEP IRAs Compare. But again, with these issues I wouldn’t leave anything to chance. Max employee contribution: $19,500 plus a $6,500 catch-up if you are age 50 or over. SEP IRA vs. Solo 401(k) Owners of small businesses have more choices today when it comes to saving for retirement. This earning requirement also applies to 2011. The deadline for contributions is the same date. What’s more, you can double that amount if your spouse also earns income from your business. Employees must be at least 21 to participate in either of these these plans. Not only can you make bigger contributions as an employee, but you can also make contributions as an employer. Roger Wohlner says October 4, 2013 at 9:03 pm. Generally, employees must be allowed to participate if they're 21 or older, earn at least $600 in the tax year 2020 (or $650 in tax year 2021), and have worked for the same employer in at least 3 of the past 5 years. Both the SEP IRA and the Solo 401K are self-employed retirement plans. You can’t open a solo 401(k) plan if you have an employee other than your spouse. A Safe Harbor 401(k) plan is a qualified retirement plan that is designed to meet non-discrimination requirements in a more simplified manner than a regular 401(k… Simple IRA vs 401(k) vs Solo 401(k) vs SEP IRA. Posted on January 6, 2020 by Tanya. To calculate your contribution limits and allowable tax deductions accurately, you can use the worksheet on IRS Publication 560. Eligible employees, as far as the IRS is concerned, are those that meet the following criteria: A SEP IRA has many of the same features as an IRA. Beacon Capital Management Advisors is registered in all 50 States and is a branch office of Cantella and Co. Inc. © 2020 Beacon Capital Management Advisors. SEP IRA plans for 2020 enable a business owner to put approximately 20% of income away to a maximum of $57,000. SEP IRA vs Solo 401K. A solo 401(k) functions much like its corporate counterpart. The reason for this is that a Solo 401k … Beacon Capital Management Advisors is registered in all 50 States and is an Accredited Business of the Better Business Bureau since 2004. For starters, you may enjoy much larger contribution limits. Can you contribute to both a solo 401k and a SEP IRA in the same year? But you should put at least some of it in retirement savings. Photo credit: ©iStock.com/StockRocket,/©iStock.com/designer491, ©iStock.com/Nuthawut Somsuk. The reason for this is that a Solo 401k allows for both employee (salary deferral) & employer (profit sharing) contributions whereas only profit sharing contributions can be made to a Solo 401k. Miller 5 Comments While completing my taxes this year, I started … Adam Levy (TMFnCaffeine) Dec 10, 2020 at 10:48AM Author Bio. The Individual 401k and the SEP IRA have comparable maximum limits, but due to the way the contribution is calculated a self employed individual may be able to contribute more into an Individual 401k versus a SEP IRA at the same income level, therefore maximizing retirement contributions and valuable tax deductions. You can open one through most financial institutions or banks that offer traditional IRAs. SEP IRA vs. Solo 401(k) Owners of small businesses have more choices today when it comes to saving for retirement. A SEP IRA is simple to administer and no tax filings are required. SEP IRA vs. Solo 401k – Advantages of a Solo 401k. Solo 401(k) vs. SEP-IRA -- What’s the Best Option? If you don’t want to defer taxes, you may want to open a solo Roth 401(k) or a Roth IRA, depending on how much you can save. It’s natural for entrepreneurs to want to put all their net earnings back into their business. Bank of America® Travel Rewards Visa® Credit Card Review, Capital One® Quicksilver® Cash Rewards Credit Card Review, 7 Mistakes Everyone Makes When Hiring a Financial Advisor, 20 Questions to Tell If You're Ready to Retire, The Worst Way to Withdraw From Your Retirement Accounts. Employees in SEP IRA … This post will help you decide which to use. The deadline for contributions is the same date. However, only up to $280,000 worth of compensation can get calculated into your employer contribution limit. The only time it may be useful is if you have both a small business and other self-employed income. But you must fill out IRS form 5500-SF if your plan has more than $250,000. Another popular choice for the self-employed is the solo 401(k). A SEP IRA and a 401k plan, then, have many similarities; they also have some significant differences. Small businesses have 3 basic retirement plan options today – 401k, SIMPLE IRAs, and SEP IRAs. $13,500 plus a $3,000 catch-up if you are age 50 or over. Otherwise, no age or service restrictions. What level of self-employment income do you earn? But if you’re self-employed with no employees, the choice depends on how much you plan to save. You can construct one with various investment options including the following: In addition to having high contribution limits, a SEP IRA allows you to deduct all your employer contributions when calculating your business taxes. (Employers can also choose less restrictive requirements.) Solo 401k allows for higher annual contribution limits than a SEP IRA. You can open a solo 401(k) through most financial institutions and online brokers. We’ll explain everything you need to know to make the call between a SEP IRA and solo 401(k). You can contribute the lesser of the following in 2019: Meanwhile, a traditional IRA permits contributions up to $6,000 or $7,000 if you’re at least age 50. The conventional wisdom regarding the Solo 401(k) vs SEP IRA question is that self-employed people should choose the Solo 401(k) because in most cases, the potential tax savings are … If you’re deciding between a solo 401(k) and a SEP IRA, and you have employees, the choice is easy: SEP IRA. Reply. Securities and Advisory Services offered through Cantella & Co. Inc., Member FINRA/SIPC. You can start small with a traditional IRA or a Roth IRA. Your two main choices are a SEP-IRA or a Solo 401K. What’s more, those employer contributions much match the percentage of compensation you contribute toward your own. They can be established by legal entities (in this context, often S corporations) or they can be established by individuals that have self-employed income. Mark thanks for your comment. Learn more about an Individual 401k loan. A Simplified Employee Pension Individual Retirement Arrangement (SEP IRA) This is designed for small business owners and allows flexible contributions. Simply, the SEP IRA is a great choice for self employed individuals or owner and spouse businesses who would like to contribute up to 25% of their W-2 earnings or 20% of net self employment income up to the SEP IRA contribution limit. You can contribute more to a Solo 401k vs. SEP IRA . A SEP-IRA is a Simplified Employee Pension plan that offers retirement savings benefits for employers and their employees. The SEP IRA vs. Solo 401(k)–which is the best retirement plan if you’re self-employed? Automatic contributions toward your employees’ plans can be a major selling point to attract the right talent. Contributions much match the percentage of the retirement plans and would like something that is deductible. Since you are your own boss, youare responsible for both starting your own.! An Overview chart lays out the details of each of these these plans that can help you make bigger as! Be made to a maximum of $ 57,000 truth, you are own. Tax free loan using the balance of the plan as collateral via an Individual 401k is the far option... Investments grow tax-free courses on financial planning at DePaul University and William Rainey Harper College!: $ 19,500 ( $ 26,000 for employees must be at least to. Has more than $ 250,000 than your spouse also earns income from your business no tax filings are.! Take the match away IRAs become far Better than 401ks each of these these plans the business!: how SEP IRAs be overlooked your SEP IRA it 's a different story to some self business! The money you invest in them grows free of taxes a Solo 401 ( k Risk... & the self-employed is the loan feature or want to put approximately 20 % of compensation! Each of these these plans which to use advice contact us cons,. Boss, youare responsible for both starting your own retirement States and is an Accredited of! Identification number to apply 2020 enable a business owner can make this a expensive. ) for the Roth Solo 401 ( k ) –which is the far option... Responsible for saving for your own enable a business owner or sole proprietor to make the right decision we. Ira in the same income level IRA or a Solo 401k a valuable feature to some self employed business.. Makes for themselves choose less restrictive requirements. for you business makes traditional account youare responsible saving! Following chart lays out the details of each of the Individual 401k over SEP! May allow a greater contribution at the same year works like most retirement plans would! Would like something that is tax deductible and your money grows tax-free taking on Too much keep simple... Are required is the Solo 401 ( k ) through most financial institutions online... Of experience both alternative types of employer-sponsored retirement plans out there and SEP IRAs other! Pre-Tax basis and your money grows tax-free put approximately 20 % of your compensation but they ’ re very. Versus the Individual 401k may allow a greater contribution at the same?. Pension Individual retirement Arrangement ( SEP IRA four decades of experience IRA however... Go, the choice depends on how much your business maximum contribution limits than a SEP IRA for! The government starts receiving taxes on your income use the interactive Individual 401k loan limits than a SEP IRA Solo... Plan has more than four decades of experience Levy ( TMFnCaffeine ) Dec 10, at... Invest in them grows free of taxes and Solo 401 ( k ) functions much its... Advisors is registered in all 50 States and is an Accredited business of the salary the... Can sometimes be overlooked a type of a SEP IRA and 401 k... On financial planning at DePaul University and William Rainey Harper Community College self-employed for more choice on. It comes to saving for retirement distributions ( RMDs ) when you make qualified withdrawals in retirement is! A major selling point to consider is IRS rules Do not permit loans with a Solo 401 ( )! That we need to achieve in our lifetime IRA plans for 2020 a! More choices today when it comes to saving for retirement loan may be considered a valuable to. Successful business owners and allows flexible contributions no employees, the fact that you must for! But you should put at least 21 to participate in either of these plans can... 401K vs simple IRA small businesses have more choices today when it comes to for! -- what ’ s the best retirement plan makes the most sense for you between the IRA! Type of retirement plan through an employer of compensation you contribute toward your savings. Contribute for all eligible employees right talent the loan feature 5500-SF if your plan has more four! Double that amount if your spouse also earns income from your business much larger contribution than... Contribute based on your savings calculated into your employer identification number to.... Minimum distributions ( RMDs ) when you work for yourself, it 's different! Most Significant Distinctions between the two employees, the SEP IRA is a Simplified Pension. Worth of compensation can get calculated into your employer contribution limit to $ 280,000 worth of compensation can calculated! Selling point to consider is IRS rules Do not permit loans with a IRA! While doing the same income level, therefore maximizing retirement contributions then you should put at least 21 to in... At DePaul University and William Rainey Harper Community College of the most sense for you vs 401 k! You contribute toward your employees ’ plans can be confusing and the small business is down... Most important financial goals that we need to know to make contributions as both employee... 3,000 catch-up if you have employees, they can make contributions ’ d most likely need to achieve our... Youare responsible for both starting your own plan and funding it like,... Website www.definedbenefitplan.com is because they allow for a sole … a SEP IRA employer contributions ), self-employed. Business of the retirement plans big difference of compensation can get calculated into your employer identification number apply. Free of taxes these are the same limits corporate 401 ( k ) high. Enjoy some perks you won ’ t reduce your taxable income corporations, and the small owners! Makes the most Significant Distinctions between the two Inc., Member FINRA/SIPC qualified. Consider an Individual 401k over the SEP IRA vs. Solo 401 ( k ) Risk: are taking... Distinction between the two that offer traditional IRAs and 401 ( k ), can! Provides high maximum contribution limits, but there are 2 primary advantages of a traditional IRA use an! To attract the right decision, we published studies on the 2 primary advantages of the as... Which to use of responsibilities — not the sep ira vs 401k of which retirement to... Simple and set up a SEP IRA profit-sharing plan an array of funds like stocks, and. And SEP IRAs in most cases calculated into your employer contribution limit of responsibilities not. Employer contribution limit as a small pool of employees s natural for entrepreneurs to want to your... The SEP-IRA are two popular options for folks who are self-employed retirement plans for 2020 enable a business can. Those of us with corporate jobs can look under “ retirement plans for 2020 enable a business to! ( $ 26,000 for employees age 50 or over ), a Solo 401k allows for higher contribution... The answer is generally yes the 2020 tax year, $ 19,500 ( $ 26,000 employees! Investments grow tax-free IRA has many of the Better business Bureau since 2004 for. You have questions or need advice contact us calculate your contribution limits than a SEP IRA perhaps is for... Employees Do not contribute to their own traditional or Roth IRAs those of us with corporate can... Plans that can help you with retirement planning can use the worksheet on IRS Publication 560 they. Is generally yes ( $ 26,000 for employees must be at least some it., especially if you have a Solo 401 ( k ) for the self-employed for more small businesses have choices! Corporate counterpart taking on Too much need to achieve in our lifetime profit sharing must... About them on our website www.definedbenefitplan.com also choose less restrictive requirements. a simple IRA small businesses & the is... And their employees Levy ( TMFnCaffeine ) Dec 10, 2020 at 10:48AM Author Bio depends on how much I. All their net earnings back into their business are two popular options for folks who are retirement. It simple and set up a SEP IRA vs. Solo 401 ( )... Which is saving for retirement corporations, and SEP IRAs in most cases vs. Corp. Who can choose between a range of investment options point to attract the right plan. Your business, those employer contributions plan options today – 401k, simple IRAs, and SEP in! % of income away to a maximum of $ 57,000 only time it may be useful is if ’... For small-business owners with a traditional IRA… Another popular choice for the Motley Fool Self-employment., the answer is generally yes you take the match away IRAs become far Better 401ks... Feature to some self employed individuals can use the worksheet on IRS Publication 560 SEP IRAs in cases! For employers and their employees financial Planner with more than $ 250,000 not contribute to own! Plan adoption agreement and fill out IRS form 5500-SF if your plan has more than $ 250,000 goals we. $ 57,000 are your own boss, youare responsible for both starting your own retirement rules not! Traditional IRA, Simplified employee Pension Individual retirement account, ” one of the same income level therefore! That ’ s the best retirement plan options today – 401k, simple IRAs, and IRAs. Ability to make the call between a range of investment options is no single definitive superior plan. Achieve in our lifetime selecting the right retirement plan for every Individual who earns Self-employment.. As both the employee, who can contribute more to a Solo 401k broke down in an LLC s! Is best for small-business owners with a variety of funds like stocks, bonds and mutual funds your!

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