The IRS issued Notice 2026-49 on August 12, 2026, with 4 optional sample forms and a 5-step process to simplify direct rollovers between retirement plans and IRAs. The guidance does not change rollover tax rules, and the public may comment through October 23, 2026. Takeaways Notice...
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Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, maintain diversification, and keep your retirement strategy aligned with your long-term goals. Takeaways Rebalancing can help restore...
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Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you avoid unnecessary debt and help you keep contributing to your 401(k) through the end of...
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A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of saving and investing. Takeaways A custodial Roth IRA can help children build long-term wealth...
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Americans are saving more for retirement than ever before, yet more workers are also tapping their 401(k)s for financial emergencies. According to Vanguard's How America Saves 2026 report, hardship withdrawals have tripled since 2021 despite record participation, savings rates, and account balances. Takeaways Americans are saving...
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Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to help keep your long-term goals on track. Takeaways Increasing your 401(k) contribution by just 1% may add...
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Women are often more consistent retirement savers than men, according to Vanguard's How America Saves 2026 report. They participate in 401(k) plans at higher rates and frequently save a larger percentage of income. Despite these stronger savings habits, lower earnings and career interruptions continue to...
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This July 4th is America's 250th birthday, and spending is expected to hit record levels. But budget-friendly 4th of July celebrations are absolutely possible with a little planning. Here are 7 ideas that can help you celebrate big without the big bill. Why the 2026 Fourth...
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Thinking about pausing your 401(k) contributions? While it may seem like a quick way to free up cash, even a temporary pause may reduce compound growth, eliminate employer matching contributions, and make it harder to reach your retirement goals. Before making a change, here's what...
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Healthcare may be one of the largest expenses you'll face in retirement. According to Fidelity, a 65-year-old retiring today may spend an average of $172,500 on healthcare costs throughout retirement, and that estimate does not include long-term care. Understanding what Medicare covers, what it doesn't,...
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