The Rule of 55 allows certain workers to take penalty-free withdrawals from a 401(k) or 403(b) if they leave their job in or after the year they turn 55. Income taxes still apply, and the funds must remain in the employer’s plan to qualify. Key Takeaways ...
Read More
A 401(k) student loan match allows employers to make retirement contributions based on your qualified student loan payments instead of requiring direct 401(k) contributions. This SECURE 2.0 provision helps employees pay down debt while still earning valuable employer retirement matches. Key Takeaways Employers can match your...
Read More
More than half of recent retirees say they regret how they saved, and only 2 in 5 feel on track with their original retirement plan. See what the data reveals and how to stress-test your 401(k) strategy before retirement begins. What’s Really Happening to Recent Retirees? There’s...
Read More
A 401(k) can offer powerful tax advantages, but understanding how contributions, growth, and withdrawals are taxed is essential. Traditional 401(k)s lower your taxable income today, while Roth 401(k)s provide tax-free withdrawals later. Knowing the difference may help you keep more of your retirement savings. Key Takeaways ...
Read More
Professional 401(k) management may help investors navigate higher contribution limits, market volatility, and rising complexity in 2026. This article explains what’s changed, how personalized management differs from robo-advisors, and why working with a fiduciary may help improve long-term retirement outcomes. What's Changed in 2026: Why This...
Read More
Summary Increasing your 401(k) contributions can be one of the most effective ways to strengthen your retirement outlook. Even small increases may significantly boost long-term savings, reduce taxes, and help close the gap between where most investors are today and where they need to be. Why Increasing...
Read More
Most employees don’t fully understand how their 401(k) works. This guide answers the most common 401(k) questions for 2026 – from contribution limits and employer matching to fees, vesting, Roth options, and withdrawals – so you can avoid costly mistakes and make smarter decisions with...
Read More
If you’ve been wondering what it takes to become a 401(k) millionaire, you’re not alone. With retirement account balances hitting record highs in 2025, more Americans are proving that building a 7-figure nest egg is possible. According to Fidelity, “the number of 401(k) accounts with a balance...
Read More
Recent data from Vanguard and Fidelity shows 401(k) hardship withdrawals at record highs as everyday costs rise and savings run thin. Understanding the long-term impact of pulling from your retirement and taking steps to build an emergency fund, can help you avoid setbacks and stay...
Read More
One of the fastest ways to pay off holiday debt is to lower your interest rates, use a proven payoff method like the Avalanche or Snowball, and make extra payments whenever possible. These steps help reduce interest, speed up your payoff timeline, and eliminate holiday...
Read More
401(k) Maneuver™ is offered by Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Royal Fund Management, LLC, is not affiliated with or endorsed by NASDAQ.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. Projections are based on assumptions that may not come to pass.
Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.
All third-party trademarks, including logos and icons, referenced in this website and our content, are the property of their respective owners. Unless otherwise indicated, the use of third-party trademarks herein does not imply or indicate any relationship, sponsorship, or endorsement between 401(k) Maneuver and the owners of those trademarks. Any reference inside this website or content to third-party trademarks is to identify the corresponding third-party goods and/or services.