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Thinking about tapping into your 401(k) during a time of financial stress? Learn the rules, risks, and more strategic alternatives before making a costly mistake.
People knock real estate for being slow and tedious. I get it. It’s not nearly as exciting as chasing big tech or the latest AI winner. But slow and steady might be exactly what the doctor order...
Updated: November 2025 According to the IRS (Notice 2025-67, released November 13, 2025), the 401(k) contribution limit will rise to $24,500 for 2026, up $1,000 from 2025, while the IRA contribution l...
The IRS just announced the official 2026 contribution limits for 401(k)s, 403(b)s, IRAs, Roth IRAs, SIMPLE plans, and catch-up contributions, and there are some meaningful increases you don’t wa...
The maximum employee 401(k) contribution limit for 2026 is increasing by $1,000 to$24,500 according to the IRS. For workers over 50, the catch-up contribution rises to$8,000, bringing the total to$32,...
The IRS has announced the cost‑of‑living adjustments for pension plans and other retirement-related items for tax year 2026....
The industry asked for and received a delay in the rule from the IRS in 2023. Now that it's going into effect, here are the key implications for sponsors and savers....
We asked financial experts for advice....
Answering listener questions, where we break down the pros and cons of reinvesting dividends automatically vs. manually, explore how to balance the risk of relying on a pension and 457(b), and talk ab...
Recently, an executive order has set the stage for 401 (k) providers to potentially start offering investments like private equity, private real estate, digital assets (think bitcoin), commodities, an...
You say you can handle a 40% crash, but does it matter? Your plan ignores your income, debt, and timeline. Here’s the risk capacity data it skips....
In this episode, Brian asks some great questions about using Net Unrealized Appreciation (NUA) for company stock inside a 401(k). We dive into the rules, timing, and strategies that could lead to majo...
Should everyday investors be allowed to hold private equity, venture capital, or even crypto in their 401(k)s? A new executive order suggests it might soon be possible. In this episode, we walk throug...
Answering listener questions about the pros and cons of traditional vs. Roth contributions, merging finances when a spouse has no income but owns an IRA, and how to maximize annual contributions to a ...
I still have my Meta 401k two years after being laid off, and here’s why keeping your old 401k might actually be the smart move....
When times get tough, borrowing from your 401(k) may seem like a smart solution. After all, it’s your money, right? But here’s the catch: If you don’t follow the 401(k) loan repaymen...
We asked financial experts for advice....
As Q4 begins, now is the time to review your 401(k) plan and make sure your retirement strategy is on track. Waiting until December often means scrambling or missing out entirely. But acting now can a...
I'm probably 3 to 6 years from retirement. Been thinking about doing some Roth conversions at some point and it occurred to me ... I think I have the ability to dictate whether my contributions are pr...
Harnessing Sir Isaac Newton's rule of retirement can boost your 401(k) savings while you chill....
Financial tech companies are connecting outside financial advisers to your retirement accounts, and at least one investment firm, Fidelity, is resisting....
Many employer-sponsored plans offer limited investment options, which can stunt growth. But participants considering alternatives might need some sound advice to get the most from their accounts....
Conventional wisdom dictates that you save in a 401(k) now and pay taxes later, but turning that rule on its head could leave you far better off. A financial planner explains why....
Missing out on the benefits of the employer match and compounding growth could force you to work longer and lower your standard of living in retirement. Here are some alternative options....
If you’re 50 or older and planning to make catch-up contributions to your 401(k), big changes are on the way – especially if you’re a higher-income earner. The IRS recently issued fi...
I'm 60 - don't plan on taking 401k withdrawals until about 65 - still working and planning to "adding to the pile" for a few more years My question is what is the best monthly withdrawal strategy? Say...
From a USA Today artical: $2.1 trillion sits in left-behind 401(k) accounts. Could one be yours? Finding a forgotten 401(k): The low-hanging fruit First, visit the National Registry of Unclaimed Retir...
Hey everyone! Are you maxing out your 401k contribution every year? This is a great way to save for retirement. Retirement might look like it’s a long way off, but ... Read more The post Changes...
Could you save a small fortune in taxes… by converting your traditional IRA or 401K into a Roth? Find out on this special edition of Retirement Solutions Radio, “Does Converting…...
Earlier this month, citing the economic slowdown and tariffs, Sherwin-Williams announced that it was suspending 401(k) matches to employees. Here’s what you need to know....
401(k) balances are climbing, and more Americans than ever are reaching a major milestone: becoming 401(k) millionaires. According to recent Fidelity data, the number of 401(k) accounts with balances ...
How many 401k rollovers per year can you do? Understand the one-per-year rule, direct rollovers, taxes, and smart timing with Boldin’s Savings Playbook. The post How Many 401k Rollovers Per Year...
Have you been a good saver? Is a big part of your retirement savings in an IRA or 401K? Saving money in one of these tax-deferred retirement accounts seems like…...
If you’re overwhelmed by high-interest debt, you might wonder: Should I stop 401(k) contributions to pay off debt? This is a deeply personal question and one without a one-size-fits-all answer. ...
Understand when you can withdraw from 401k without penalty, the ages that matter, the exceptions that apply, and smart sequencing that protects your plan. The post When Can You Withdraw From 401k With...
Explore how private equity in 401(k) plans boosts returns, income, and diversification with new guidance and innovative solutions....
Leaving a 401(k) at a former employer can shrink your nest egg. These steps could help protect your retirement and boost savings....
We ask financial experts for advice....
As retirement plan rules continue to evolve, one area drawing attention is the inclusion of alternative assets in 401(k) plans. In early August 2025, the White House released an executive order that h...
Private equity, real estate and expanded annuities are now options, but they are more complex, less flexible and more expensive to own....
So I turned 65 this year, retired, and started drawing SS. I had taken a 401k loan a year earlier and was able to continue payments. My plan was to withdraw 15k per year from investments to live on in...
Will Private Markets be more prevalent in 401(k) asset allocation strategies going forward?...
Your 401(k) shouldn’t be a “set it and forget it” investment. While automation makes saving for retirement easier, it doesn’t mean your account should be left untouched for yea...
Average 401(k) fund fees and administrative expenses are, in some cases, shockingly high. But don't be misled by gloomy headlines. Here's the skinny....
President Trump has signed an executive order that could pave the way for the use of private equity (PE) and alternative assets in retirement savings accounts....
Mid-year is a common time for people to reassess their finances – including their 401(k) strategy. From market changes to personal life events, the second half of the year often brings new infor...
Informed older Americans are highly skeptical about alternative assets in a 401(k). The post Should Alternative Assets Be in Your 401(k)? What Financially Savvy Americans Really Think appeared first o...
Recently, an executive order has set the stage for 401 (k) providers to potentially start offering investments like private equity, private real estate, digital assets (think bitcoin), commodities, an...
Over the weekend, USA Today published a story about six Americans who became 401(k) millionaires without super-large salaries. All of the subjects in the story are members of this community. Thank you...
Depending on your 401(k) vesting schedule, it may take you up to 6 years to fully own your matching contributions. Unfortunately, the 401(k) vesting schedule isn’t always clear to everyone. In a...