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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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...
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Summary Starting in 2026, higher earners age 50 and older must make 401(k) catch-up contributions as Roth contributions if prior-year FICA wages exceed $150,000. This rule impacts take-home pay, tax planning, and retirement strategy – making it critical to plan ahead. What Changed in 2026 with...
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A 2024 Fidelity 401(k) data breach highlighted a growing risk facing retirement savers: Cybercriminals targeting retirement accounts. As hackers exploit phishing, social engineering, and call center weaknesses, we recommend investors actively monitor and protect their retirement accounts to avoid devastating financial losses. Why Retirement Accounts Have...
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