When thinking about retirement, most people’s minds drift to a dream life involving no work, vacations, and finally getting to enjoy their favorite hobbies. However, several overlooked retirement expenses may prevent you from doing any of this during retirement. The disconnect between what people believe they need...
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There are many ways investors can increase 401(k) savings ‒ from maxing out yearly contribution limits to rebalancing account allocations at least 4 times a year. However, one of the best ways to increase retirement savings is one that is often overlooked by many investors: gaining...
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The SECURE Act retirement bill went into effect in January 2020 with the intention of helping more Americans have greater access to retirement savings and avoid running out of money during retirement.¹ Most of the changes under the SECURE Act retirement bill went into effect in...
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With pensions disappearing and the future of social security unknown, American workers are now largely responsible for their retirement savings. For many employees, a 401(k) is their largest asset come retirement. Yet, too many investors set up their 401(k), contribute each paycheck, and do little else with...
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Maxing out yearly 401(k) contribution limits is the best way to ensure investors boost 401(k) savings and have enough money to retire comfortably. But, this isn’t always feasible. Consistently contributing as much as you can and meeting the company match may also make a huge difference in...
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Whether retirement is right around the corner or years away, there’s no better time than the present to start preparing for it. According to the Report on the Economic Well-Being of U.S. Households in 2019, featuring Supplemental Data from April 2020, a majority of non-retirees are...
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The IRS recently announced retirement plan contribution limits for 2021. While most limits remain the same as 2020, some plans will see a limit increase. Keep reading below to find out exactly how much you can contribute for 2021, and start making plans now to do...
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Too many investors don’t know how to read a 401(k) statement, much less understand it. It’s understandable. There’s a lot in a statement. Knowing how to read and understand the information presented in a 401(k) statement may be vital to your retirement future. Why Investors Need to...
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With the elections coming up, many investors are concerned about the presidential election and the stock market. There’s uncertainty in the air. And the market doesn’t like uncertainty. So, what do you do with your hard-earned money in the meantime? Before you make a move, check out this...
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Fourth quarter is here, which means there are important financial steps to take before the end of the year. Taking the time now to work through this checklist may help end the year strong and start 2021 with a bang. We recommend printing off this list...
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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.
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