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The Social Security program was designed to support lower-income retirees more by replacing a larger share of their past earnings than higher earners receive. But the subsidies that encourage workers ...
Current have 300k in a 401, part Roth, part regular, and a small amount in an IRA. I'll be retiring in 18 months at 67. Should I keep the money in the 401 when I retire, move it to the IRA, or do some...
It's tempting to dip into your 401(k) at 55. But beware — you may rue that decision later. Here's what to do instead....
Don’t think putting off retiring for six months to a year will have a meaningful impact? Think again. See how much it can help....
Sometimes called the "super" catch-up contribution, this new saving option is only available to workers age 60 to 63....
No employer? No problem. Here’s how to open a 401(k) or similar retirement plan when you're self-employed or your job doesn’t offer one....
401(k)s are built for the long haul. Reacting emotionally in the short term can do serious long-term damage to your retirement plans....
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...
If you've had any life changes — marriage, divorce, a new baby or retirement — you might want to make sure your beneficiaries are in order....
Women already face an uphill battle when saving for retirement. Auto portability tech transfers their 401(k)s when they change jobs, which can add up over time....
Annuities offer protection, but your 401(k) already gives you tax advantages without the fees and complexity....
401(k) Specialist will be making it's way to Las Vegas next week for NAPA's 401(k) Summit...
Brian Graff says proliferation of lawsuits tops list of industry concerns during opening…...
When leaving an employer, sometimes it's best to roll over a 401(k) to an IRA. But other times it's not. Key factors determine which is best....
Your old 401(k) accounts may be slowly bleeding money — because the power of compounding can work against you, too....
It’s hard to bury your head in the sand when the markets are volatile. Here’s when it makes sense and when it doesn’t....
Over half of America's workforce lacks access to retirement plans like 401(k)s. A new bill aims to change that....
Loan size grew among all age cohorts, and even among those nearing retirement, finds T. Rowe Price...
Former employees can be charged up a $4.55 monthly maintenance fee on 401(k) accounts...
Since February 4th, I’ve been thinking about what a “FIRE Bundle” could look like....
Watching your 401(k) account dip during a market downturn can feel like a punch to the gut. We understand it’s stressful. It’s emotional. And if you’re like most people, your first i...
I have 2 different 401k plans from 2 different employers. Worked at Company 1 1980 - 2015 and then retired. Worked at Company 2 2015 - 2024. Have been retired now for 1 year and not drawing from eithe...
Here's everything you need to know about Mega Backdoor Roth conversions and whether they're the right move for you in the long run. The post Mega Backdoor Roth IRA Conversion in Your 401(k) or 403(b) ...
Whether retirement is years away, a year or two out, or in the rearview mirror, here's how to handle uncertainty in your 401(k)....
retiring at 59+ Basically, my question is, concerning losses in the 401k, people say its only a loss if you sell. But when i go to retire, if the market is still down, is that going to be a loss? In o...
The stock slump has hit 401(k)s hard in recent days. But even without a company match, contributing to a 401(k) can still be a great choice if your goal is long-term retirement savings....
Answering reader questions about the difference between Roth and traditional IRAs, the process of opening Roth IRAs for your kids, and what to do if you over-contribute to your 401(k). The post Roth I...
A MetLife study shows most companies are committed to 401(k) employee plans, even amid economic turmoil....
401(k) Index shows heightened Q1 market volatility fueled surge in trading...
The inaugural “Next-Gen 401(k) Report” from KWP Growth Partners is being…...
The Women's Retirement Protection Act (WRPA) would prevent spouses from raiding their partners' 401(k) accounts....
If you’re looking to improve your 401(k) performance in 2025, there is an often-overlooked strategy that may help. It’s called rebalancing. And failing to rebalance your portfolio could me...
Planning for retirement is crucial, especially for those self-employed or anyone without an employer-sponsored retirement plan. A Roth solo 401(k) might be the solution....
If available, you may be able to access additional Roth savings annually. However, there are important considerations for employers and employees to keep in mind....
An IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution....
Answering reader questions about rolling a 401(k) into an IRA after changing jobs, how to do a 403(b) rollover, and how to pass non-discrimination testing for your 401(k) as a business owner. The post...
Predictions from The Senior Citizens League and retired analyst Mary Johnson align after…...
Unsure if it is a good move or not to start taking withdrawals from my 401k at age 60 as I am being let go from my job and unsure what kind of job I will get next. Portfolio may be at 1 million now. M...
This will be my first full year of retirement. SS, a small FERS annuity, and 401k (TSP). Since I’m not having any Fed withholding on my annuity taken out, my tax guy says I need to be making qua...
When it comes to saving for retirement, it may be not just about how much you save – it may be about how much you get to keep. Understanding 401(k) tax implications may help you maximize your sa...
When leaving an employer, conventional wisdom suggests that you also rollover your 401(k) plan to an IRA. Not always the best call, though. The post 8 Things to Consider Before Rolling Over Your 401(k...
Your 40s and 50s are often the prime years for building wealth, but too many people may make avoidable mistakes with their 401(k)s – mistakes that could cost them in retirement. Whether it&rsquo...
Ron Surz says personalized products are not all the same. Personalization requires interaction...
Hello, My goal is to in April next year to semi-retire, mainly stop working for my current company. I want to take the 401K and my Rollover IRA and pull the money out and pay taxes upfront, and then m...
Older workers may want to forgo the 401(k) super catch-up and put their money to work elsewhere....
401(k) plans are designed to help in retirement, but if you don’t follow the rules, you may find yourself facing 401(k) withdrawal penalties. This is because the purpose of a 401(k) plan is to p...
The Roth or traditional 401(k) decision can be complicated for high-income professionals. Consider these factors to best protect your income. The post Should You Make Roth or Traditional 401(k) Contri...
Many workers choose an IRA rollover when changing jobs. Unfortunately, it's not uncommon for accounts to be neglected, or never invested....
It is becoming more popular to take a 401(k) loan. A December 2023 report found “more retirement savers have taken loans from their 401(k) accounts over the past year, suggesting that U.S. house...
Saving in your 401(k) can be an easy and painless way to build your retirement savings. But because it’s so easy and painless, it can also be easy to ignore for long periods of time, which often...