The second quarter is a key time to reset your finances and stay on track for the year. From reviewing your budget to maximizing your 401(k) and rebalancing your investments, these smart money moves can help you strengthen your financial plan and make meaningful progress...
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Many retirement shortfalls aren’t caused by market crashes, but by everyday mistakes. These small decisions can quietly cost you years. Here are 12 common mistakes that can delay retirement and what to do instead. Why Small Mistakes Can Delay Your Retirement Most people don’t delay retirement because...
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Your tax refund can be more than extra spending money. Using it strategically – such as boosting retirement savings, paying down debt, or building an emergency fund – may strengthen your long-term financial security. Make Your Tax Refund Work for Your Future If you’re expecting a tax...
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When you die, your 401(k) only passes to the named beneficiary. Spouses can roll the account into their own IRA, but most non-spouse beneficiaries must withdraw the funds within 10 years, which can trigger substantial tax bills if not planned carefully. Who Inherits Your 401(k)? When it...
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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 ...
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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...
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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...
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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 ...
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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...
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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...
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