The original SECURE Act of 2019 extended the Required Minimum Distribution (RMDs) age from 70½ to 72 for retirement accounts. Now with the passing of the Omnibus Bill, SECURE Act 2.0 extends the RMD beginning date to age 73, starting in 2023. Not only does the new...
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Now is the time to plan and save for a family summer vacation. If you wait too much longer, you’ll be too late. This is because Americans are still feeling the need for pent-up “revenge” travel following the pandemic – even with inflation. According to Forbes, “The...
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401(k)s are often the largest asset people have for retirement. We save year after year, paycheck after paycheck, with the goal to have a comfortable retirement. However, there are times when we may be tempted to dip into our retirement savings before we reach retirement age. While...
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One of the most common financial mantras to building wealth is “pay yourself first,” but there isn’t much guidance on how to create a pay yourself first budget. That might be why so many Americans struggle with saving money. A 2023 Bankrate study found, “Nearly half (49...
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There’s a lot of concern about the banking industry following the collapse of the Silicon Valley Bank (SVB). So what happened and how does this affect the average 401(k) investor? Keep reading to find out. What Happened to SVB? Before we dive in, it’s important to note that...
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When it comes to preparedness, we tend to focus on preparing for our financial futures. Unfortunately, this often includes providing our readers with tips for avoiding becoming the victim of cybercrimes. Victims of cybercrimes suffer personal and financial identity theft, stolen money, fraud, embezzlement – not to...
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A record number of Americans are taking hardship withdrawals and tapping into their 401(k)s. According to Fidelity, “Participants taking hardship withdrawals from their accounts rose to 2.4% last year, up from 1.9% in 2021.”¹ This represents the highest share of hardship withdrawals recorded by the financial...
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It’s tax time, and there are a few changes you need to be aware of before you file your 2022 taxes. The IRS has warned taxpayers they should expect smaller refunds due to pandemic relief measures that have been allowed to expire. Don’t get caught off guard....
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When it comes to money habits, we can either form those that cause us to be saddled with debt and worried about our financial future or those that bring us financial freedom. The good news is that it is possible to break bad habits. It is also...
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Last year was a bumpy ride for the market, and many investors are rattled. We’ve talked before about how the market goes up 80% of the time. But this also means it goes down 20% of the time. And that’s where we are now. So, what should you...
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