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401k

What Your Retirement Plan Needs More Than Money

Buck Wargo | Posted 09.19.2014 | Fifty
Buck Wargo

With all the talk about retirement, the national focus is on how much to stash away in your 401(k) and IRA and when you should leave your job and start taking Social Security benefits. That's all crucial, but what people are forgetting is what they want to be and do when they grow up.

Retirement Class Warfare Is Coming to America

PaladinRegistry.com | Posted 09.17.2014 | Money
PaladinRegistry.com

A 2014 Retirement Confidence Survey (RCS) conducted by the Employee Benefit Research Institute showed Americans are increasingly confident in their ab...

Stop Using Your 401(k) as a Piggy Bank

David A. Dedman | Posted 09.11.2014 | Money
David A. Dedman

The only time I could envision tapping your 401(k) is in the event you are unemployed for a long period of time. Here's how to stop popping the cork on the 401(k) Piggy Bank.

The Rube Goldberg Theory of 401(k) Plan Fee Disclosure

PaladinRegistry.com | Posted 09.10.2014 | Money
PaladinRegistry.com

Paying too much for your 401(k) plan, however, is like a leak in your gas tank; the ultimate effect is that neither is going to take you as far as you need to go.

4 Forgotten Fall Financial Tips

David A. Dedman | Posted 09.03.2014 | Money
David A. Dedman

Fall is my favorite time of the year! I love the weather and the change of seasons. Fall also is a busy time for me as a financial advisor. I have ...

Why the Decrease in Unions and Defined Benefit Retirement Plans Hurts Us All

Don McNay | Posted 08.30.2014 | Business
Don McNay

Is there a correlation between the drop in unions and the drop in defined benefits plans? It certainly seems like it. As defined benefit plans are going away, so is the safety net for older Americans. Most bankruptcy filers are under age 54, but there is a steady rise in bankruptcies of people over age 55.

Unhappy 40th Birthday, ERISA: So Much for Retirement Security

Jane White | Posted 08.29.2014 | Politics
Jane White

The U.S. has one of the least generous pension systems in the advanced world; only six member countries of the OECD have lower pension wealth.

In Retirement Planning, One Size Does Not Fit All

Catherine Golladay | Posted 08.26.2014 | Fifty
Catherine Golladay

Something as important as a 401(k) - a long-term savings vehicle that is for many people their largest or only source of retirement income - deserves the kind of care and professional management we employ in so many other areas of our lives.

Trying to Encourage Millennials to Save for Retirement? Three Key Factors to Consider

Jerry Patterson | Posted 08.26.2014 | Money
Jerry Patterson

Here are my top three things to consider if you're trying to encourage millennials to save for retirement.

Tips For Taking Advantage Of Employer Savings Plans

WiserAdvisor.com | Posted 08.15.2014 | Business
WiserAdvisor.com

Trying to save more, but not sure how? Employer savings plans are a great way to add to your retirement fund or savings goals. If your employer offers one and you're not taking advantage of it, you should be.

Will You Be Able To Retire?

Bradford M. Pine | Posted 08.13.2014 | Money
Bradford M. Pine

Aside from the question of whether your spouse is ready for you to be around all day, making the decision to retire requires an enormous amount of financial preparation. How do you know if you're ready?

Lump-Sum vs. Income Payments: Why Do So Many Retirees Take the Money and Run?

Jerry Patterson | Posted 08.13.2014 | Money
Jerry Patterson

The moment we're faced with deciding whether to take a lump sum often happens at the moment of retirement, which also means it's the moment our paycheck is turning off. Similar to a light switch turning off.

401k Participants: Are You a Victim of Fiduciariness?

PaladinRegistry.com | Posted 08.18.2014 | Money
PaladinRegistry.com

Your employer has a fiduciary duty to ensure that you are provided with a 401k product that offers you a reasonable opportunity to achieve retirement income security - you just need to fund it adequately!

Sudden Wealth From Retirement?

David A. Dedman | Posted 08.12.2014 | Money
David A. Dedman

You made it. You are retired. Your new job will be doing whatever you want! Sounds good, right? Retirement can be a wonderful time. It's a Life Even...

Target Date Funds - Statistics That Matter

PaladinRegistry.com | Posted 08.07.2014 | Money
PaladinRegistry.com

Target date funds are on a growth trajectory that will take them to $4 trillion by 2020, from their current level of $800 billion. That's 30% per year growth over the next 6 years. On a percentage basis, TDFs will increase from 25% of all 401(k) assets to about half.

Sudden Wealth From a Job Change?

David A. Dedman | Posted 07.29.2014 | Money
David A. Dedman

Every Life Event, including a job change, comes with questions. You'll have some big decisions to make.

Roth vs. Traditional 401(k) -- Which Is Better?

Carrie Schwab-Pomerantz, CFP | Posted 07.23.2014 | Money
Carrie Schwab-Pomerantz, CFP

The sheer number of retirement accounts can make anyone's head spin. Once you've opened a specific type of account -- for instance a traditional 401(k) -- it's tempting to just figure you're set. But with more and more employers now offering a Roth 401(k) as well, it's smart to take a step back and consider the potential benefits of each.

How Your Employer Could Be Losing You Thousands of Dollars

Jennifer Erickson | Posted 09.08.2014 | Money
Jennifer Erickson

Employers might not be paying much attention to the fraction of a percentage point in fees that separate many 401(k) plan providers, but they should.

Four Steps Toward Financial Independence

Catherine Golladay | Posted 08.30.2014 | Money
Catherine Golladay

For many Americans, the stress of debt and other financial responsibilities can feel like a loss of freedom. Fortunately, there are steps you can take to prioritize these competing obligations to put yourself in control of your financial future.

5 Things You Should Know About Your 401(k)

David A. Dedman | Posted 08.24.2014 | Money
David A. Dedman

The majority of Americans have access to a 401(k) plan at work. In this article, I'm going to clue you in on a few things you need to know.

4 Reasons to Dump Your 401(k)'s Stable Value Investment

David A. Dedman | Posted 08.20.2014 | Money
David A. Dedman

Are you afraid of losing money in the stock market? Lots of 401(k) participants are terrified of losing money after the 2008 credit crisis. The ve...

Day Trading Your 401(k)? 6 Reasons To Stop Now

David A. Dedman | Posted 08.05.2014 | Money
David A. Dedman

Are you day trading your 401(k) at work? Shame on you! We all know that day trading is a recipe for disaster. Or do we?

For The Healthy, Wealthy and Wise, The Future Is Long

Wray Herbert | Posted 08.04.2014 | Healthy Living
Wray Herbert

Psychological scientists are very interested in the dynamics of future planning, in part because people are so bad at it. There is circumstantial evidence that people who are financially irresponsible also take poor care of themselves. Is it possible that a single underlying trait is shaping behaviors that promote both health and wealth?

3 Policy Choices That Would Improve Retirement Prospects For Women

Diane Oakley | Posted 07.29.2014 | Fifty
Diane Oakley

So if retirees do not monetize the roofs over their heads, what can the typical working households in the 55 - 64 age group retire on beyond Social Security?

Five Questions to Ask About Your First 401(k)

Catherine Golladay | Posted 07.27.2014 | Money
Catherine Golladay

Lesson #1: now is the time to start saving for your retirement. I know it may seem a lifetime away, but the earlier you start, the easier the path to a comfortable retirement can be.