As 2025 wraps up, now may be the perfect time to tighten up your finances and set yourself up for a stronger year ahead. These 12 year-end money moves may help you save more, lower your tax bill, and start 2026 with real financial momentum. #1...
Read More
Holiday spending is rising sharply in 2025, with shoppers planning to spend more on gifts and online purchases than last year. This guide shares 8 steps to help you avoid holiday debt, set clear expectations, create a realistic budget, shop smarter, and stay in control...
Read More
Updated: November 2025 According to the IRS (Notice 2025-67, released November 13, 2025), the 401(k) contribution limit will rise to $24,500 for 2026, up $1,000 from 2025, while the IRA contribution limit increases to $7,500 plus a $1,100 catch-up for savers age 50 and older.[1] These cost-of-living...
Read More
The final weeks of the year are more than just holiday prep and family gatherings. They’re also your last chance to make financial moves before year-end that could boost your retirement savings, lower your tax bill, and set you up for a stronger 2026. Whether you're trying...
Read More
If you’re hoping the 2026 Social Security COLA will help ease the pressure of rising costs, don’t get your hopes up. The 2026 increase is only 2.8%.¹ With inflation, Medicare premiums, and everyday expenses climbing faster, it won’t go far. In this post, we’ll help break down what...
Read More
When times get tough, borrowing from your 401(k) may seem like a smart solution. After all, it’s your money, right? But here’s the catch: If you don’t follow the 401(k) loan repayment rules, you could end up facing serious tax bills and penalties, and possibly hurt your...
Read More
After a strong third quarter and a better-than-expected September, investors are asking, “How much longer can this last?” In his latest market update, Mark Sorensen, CEO and Chief Investment Officer of Royal Fund Management, explains why he believes the current bull run still has room to...
Read More
As Q4 begins, now is the time to review your 401(k) plan and make sure your retirement strategy is on track. Waiting until December often means scrambling or missing out entirely. But acting now can allow you to adjust contributions, rebalance your portfolio, and make proactive changes...
Read More
If you’re 50 or older and planning to make catch-up contributions to your 401(k), big changes are on the way – especially if you're a higher-income earner. The IRS recently issued final regulations under the SECURE 2.0 Act, and they clarify exactly how these contributions must...
Read More
More employers are offering Roth 401(k)s inside their plans, making these accounts more accessible than ever. But just because your employer gives you the option doesn’t mean it’s automatically the right fit. If you’re considering contributing to a Roth 401(k) in 2025, there are several key rules...
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 Like any estimate, the actual amount of value added, if any, may vary significantly, depending on clients’ circumstances.
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.
Looking for tips that might maximize your retirement
savings and help you be a better steward of your money?
The go-to-source for your retirement investing and saving tips