The original SECURE Act of 2019 extended the Required Minimum Distribution (RMDs) age from 70½ to 72 for retirement accounts. Now with the passing of the Omnibus Bill, SECURE Act 2.0 extends the RMD beginning date to age 73, starting in 2023. Not only does the new...
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Contrary to what most experts advise, there are times when it may not make sense to roll over your 401(k). We even advise most investors against leaving behind an old 401(k). However, there is an IRS rule that – if you qualify – may help you have...
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The more you know your rights as a 401(k) investor, the better choices you will be able to make building wealth for retirement. But far too many 401(k) investors don’t know their rights due to the lack of education. Most of us sign up for a 401(k)...
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With inflation not going down and interest rates rising, many Americans are wondering: Should I pay off debt or continue to contribute to my 401(k)? It’s not surprising American households are feeling pinched. NerdWallet reports, “In the past year, median household income has grown just 4%,...
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Big changes are coming to 401(k) benefits this year and the next few years. If you want to maximize your retirement savings and your retirement lifestyle, it’s critical you are aware of these changes. The new 401(k) rules and benefits are a result of the Secure...
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Paying for college is expensive, which is why college financial planning should really begin as soon as each child is born. But, let’s be honest. Sometimes life gets in the way, and, before you know it, college is right around the corner, and you haven’t done...
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Social Security benefits in 2023 will see the highest increase in 40 years, but will it be enough to cover the real cost of retirement? In 2023, there will be an 8.7% increase for COLA (Cost-of-Living Adjustment), up from the 5.9% adjustment in 2022.¹ This amounts to...
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The SECURE 2.0 Act, which was signed into law December 29, 2022, introduces major changes to the retirement system and how you save for retirement. The Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 builds on the SECURE Act of 2019. Both aimed to...
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Between market volatility and inflation, 2022 was a stressful year financially for many of us. So, it’s no surprise that readers were looking for 401(k) articles to help them understand what they should and should not do when it comes to their retirement savings. 401(k) balances fell,...
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There’s a lot of talk right now about professional 401(k) account management after the recent info on the Blooom shutdown – how it’s left investors in the dark. Professional 401(k) account management has been in the news lately with Blooom shutting down services effective November 2022....
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