Having money left after taxes is a good thing, but spending it without a plan? That’s where many people can go wrong. Disposable income is not the same as discretionary income. Disposable income is what you have left after paying taxes. For instance, if you earn $60,000 annually...
Read More
Watching your 401(k) account dip during a market downturn can feel like a punch to the gut. We understand it's stressful. It’s emotional. And if you’re like most people, your first instinct might be to hit the panic button. But here’s the truth: Panicking is the worst thing...
Read More
As we move into the second quarter, now may be the perfect time to assess your finances, adjust your budget, and set yourself up for a stronger financial future. The second quarter offers a unique opportunity – you’ve had a few months to see what’s working...
Read More
We feel retirement planning has never been more important, yet confidence in a secure financial future is shrinking. A March 2025 Fidelity Investments® State of Retirement Planning study reveals that while 7 in 10 of those currently in retirement feel stable, confidence in retirement outlook...
Read More
If you’re looking to improve your 401(k) performance in 2025, there is an often-overlooked strategy that may help. It’s called rebalancing. And failing to rebalance your portfolio could mean losing more than necessary in down markets or not maximizing gains in strong ones. Yet, many 401(k) investors often...
Read More
When markets drop, it can be easy to panic. But history shows that staying invested through downturns can often be the smartest move. In this special market update, we break down what’s happening right now – and why sometimes doing nothing may be the best strategy. What’s Going...
Read More
Many Americans mistakenly believe Social Security will be enough to fund their retirement – but reality paints a different picture. Consider the most recent cost of living adjustment. The 2025 Social Security COLA increase is just 2.5%.¹ This minimal increase means “retired workers' Social Security checks will grow...
Read More
When it comes to saving for retirement, it may be not just about how much you save – it may be about how much you get to keep. Understanding 401(k) tax implications may help you maximize your savings and avoid unexpected tax bills down the road. Are...
Read More
Your 40s and 50s are often the prime years for building wealth, but too many people may make avoidable mistakes with their 401(k)s – mistakes that could cost them in retirement. Whether it’s not saving enough, ignoring market shifts, or borrowing from your future, these missteps...
Read More
401(k) plans are designed to help in retirement, but if you don’t follow the rules, you may find yourself facing 401(k) withdrawal penalties. This is because the purpose of a 401(k) plan is to provide money following retirement from employment – not function as a general...
Read More
401(k) Maneuver™ is offered by Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.Royal Fund Management, LLC, is not affiliated with or endorsed by NASDAQ.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. Projections are based on assumptions that may not come to pass.
Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph Like any estimate, the actual amount of value added, if any, may vary significantly, depending on clients’ circumstances.
All third-party trademarks, including logos and icons, referenced in this website and our content, are the property of their respective owners. Unless otherwise indicated, the use of third-party trademarks herein does not imply or indicate any relationship, sponsorship, or endorsement between 401(k) Maneuver and the owners of those trademarks. Any reference inside this website or content to third-party trademarks is to identify the corresponding third-party goods and/or services.
Looking for tips that might maximize your retirement
savings and help you be a better steward of your money?
The go-to-source for your retirement investing and saving tips