For 401(k) investors over 50, retirement is around the corner. And, with the market volatility over the past year, many are wondering how to best protect their savings and ensure they have enough for retirement. If you’re nearing retirement and want to do what you can...
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With inflation not going down and interest rates rising, many Americans are wondering: Should I pay off debt or continue to contribute to my 401(k)? It’s not surprising American households are feeling pinched. NerdWallet reports, “In the past year, median household income has grown just 4%,...
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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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Vesting schedules prevent 401(k) investors who don’t stay long at a company from taking their employer retirement contributions with them when they change jobs. Which means the money your employer contributes to your 401(k) may be taken back should you decide it’s time for a change. With...
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Big changes are coming to 401(k) benefits this year and the next few years. If you want to maximize your retirement savings and your retirement lifestyle, it’s critical you are aware of these changes. The new 401(k) rules and benefits are a result of the Secure...
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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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Paying for college is expensive, which is why college financial planning should really begin as soon as each child is born. But, let’s be honest. Sometimes life gets in the way, and, before you know it, college is right around the corner, and you haven’t done...
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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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Social Security benefits in 2023 will see the highest increase in 40 years, but will it be enough to cover the real cost of retirement? In 2023, there will be an 8.7% increase for COLA (Cost-of-Living Adjustment), up from the 5.9% adjustment in 2022.¹ This amounts to...
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The SECURE 2.0 Act, which was signed into law December 29, 2022, introduces major changes to the retirement system and how you save for retirement. The Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 builds on the SECURE Act of 2019. Both aimed to...
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