It feels good to wrap up things nicely before the end of the year, but there’s a lot to do. That’s where having a fourth quarter financial to-do list comes in. It helps you prioritize the things you need to do to ensure you are in...
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While data shows more people are saving for the future, others are putting their financial futures at risk by taking 401(k) hardship withdrawals. 401(k) hardship withdrawals should be a last resort, but people are playing fast and loose with their retirement savings, as shown by recent...
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The IRS recently announced a 2-year delay to the planned changes in catch-up contributions in 401(k)s and Thrift Savings Plans. The new rule requiring high-income investors to make catch-up contributions only to Roth 401(k) accounts will not take effect until 2026. This update comes as a relief...
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With today’s economic landscape characterized by persistent inflation and rising interest rates, it's no surprise that American households are feeling financial pressure. This has many Americans grappling with crucial financial questions: Should I pull back on my retirement savings contributions? Should I focus on paying off debt instead...
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One of the perks of employment is a 401(k). But what happens with the money you’ve accrued for retirement when you change jobs? The money is still there. But leaving behind an old 401(k) may be a costly mistake. Keep reading for the costly dangers of forgetting...
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Starting in 2024, new rule changes to 401(k) catch-up contributions go into effect for investors ages 50 and over. These changes impact not only where you can save more, but also if you’re even able to. Some might argue this new law is essentially a tax increase....
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Everyone seems to have an opinion about target date funds. On one side, they make 401(k) investing easy. On the other, there can be a significant difference in performance over time from target date funds versus other plan options. In this article, we’re breaking down everything you need...
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The Secure Act 2.0 brought about numerous changes to how we save for retirement, including when investors need to start taking required minimum distributions (RMDs). However, the IRS is making RMD changes yet again – this time delaying certain rules in order to provide a smoother...
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Let’s face it. There’s a lot going on with the economy, the Fed, and the markets. It doesn’t help that in this 24/7 newscycle world we live in that the media sensationalizes headlines that cause panic and fear in investors. If you’re feeling doom and gloom or...
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Saving for retirement is critical, but many in their 20s and early 30s put it off. It’s easy to see why. It’s not cheap to build a new life, buy a home, or start a family. Add in inflation, the high cost of housing, and rising interest...
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