Many Americans mistakenly believe Social Security will be enough to fund their retirement – but reality paints a different picture. Consider the most recent cost of living adjustment. The 2025 Social Security COLA increase is just 2.5%.¹ This minimal increase means “retired workers' Social Security checks will grow...
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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 savings and avoid unexpected tax bills down the road. Are...
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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’s not saving enough, ignoring market shifts, or borrowing from your future, these missteps...
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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 provide money following retirement from employment – not function as a general...
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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. households are borrowing more readily as they feel the pinch of inflation.”¹ David Blanchett, a...
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The S&P 500 went up more than 20% for 2 years in a row, an impressive run that doesn’t happen often. After 2 years of strong market performance, what should investors expect next? Keep reading (or watch the video) below as Mark Sorensen, our Chief Investment Officer,...
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Tax season kicks off this week, and with it comes a handful of changes you’ll want to know about before filing your 2024 taxes. From adjustments to standard deductions and tax brackets to updated rules on credits, contributions, and thresholds, staying informed may help you maximize...
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Retirement savers, take note – 2025 is bringing big changes to 401(k) plans. That’s because the SECURE Act 2.0 introduces changes that could offer investors new opportunities to enhance their retirement savings. These updates aim to make saving for retirement more accessible and effective for 401(k) savers. Here’s...
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401(k) plans are a critical tool for many Americans striving to secure their retirement. These tax-advantaged accounts often represent a significant portion of an investor’s financial future. However, common misconceptions about 401(k) plans may hinder participants from optimizing their retirement savings. Sometimes, the beliefs we hold...
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If you know you need to make some changes in order to increase retirement savings in 2025, then keep reading. We’ve compiled 9 potential changes you can make to your saving, spending, and investing habits that may increase retirement savings in 2025. Read on to learn more. The...
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