It’s common financial advice – save enough in your 401(k) to get the company match. It’s great advice (after all, who doesn’t want free money?), but it may not be yours to keep should you change jobs or withdraw from your 401(k). This is because each employer...
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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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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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If you're over 40 and worried about your retirement savings, take a deep breath. You're not alone, and it's never too late to turn things around. In this article, we're exploring 10 actionable strategies to help you catch up on retirement savings after 40. #1 Assess Your...
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When it comes to planning for retirement, choosing the right savings vehicle can make a significant impact on your financial future. Traditionally, 401(k) plans have offered tax-deferred contributions, but in recent years, the Roth 401(k) has emerged as an appealing alternative. With its unique tax advantages and...
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