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Takeaways Most 401(k) plans let you change your investments online at any time, though some funds may limit frequent trading. Changing where future contributions go and changing how your current balan...
From HSAs to backdoor Roths and even taxable brokerage accounts, there are plenty of ways to boost retirement savings once you've hit your full 401(k) match.
Very rarely do I get a question in my email inbox to which I don't know the answer. This was one of those times. The post Mega Backdoor Roth 401(k) Contributions Instead of Roth Contributions? appeare...
You should not use the terms "always" and "never" when it comes to the 401(k) vs. Roth issue. Here's why you probably need some of both. The post Don’t Roth All of Your 401(k) Money appeared first on ...
Pontera’s 401(k) Day roundtable has former DOL and CFPB officials exploring the reality of retirement accounts remaining siloed from personal investment management
Past returns tell us what happened. But they provide limited value for fund selection. Research suggests how those returns were generated likely tells us more than the returns alone.
Today is National 401(k) Day, and a perfect moment to revisit retirement plans. Advisors can use these five strategies — from IRA rollovers to next-gen outreach — to help clients optimize their saving...
“Deel Retirement” embeds enrollment, contributions and reconciliation directly into the platform, aiming to eliminate the administrative friction of connecting payroll with retirement plan providers
Today's retirement investors face a dramatically different landscape than they did during the long...
Our Kiplinger Tax Letter Editor answers readers' questions about retirement plans and IRAs, including a big change to 401(k) catch-up contributions.
A 401(k) is one of the most important financial accounts you’ll ever own, yet many investors don’t fully understand how it works. Understanding key 401(k) terms, including employer match, vesting sche...
Don't beat yourself up if you've taken a hardship withdrawal from your 401(k). Here's how you can avoid it in the future.
Married couples each have their own 401(k), but many retirement decisions work best when they’re made together. Coordinating employer matching contributions, reviewing beneficiary designations, and un...
The 401(k) can be a great savings vehicle, or a financial black hole where investors lose huge chunks of their hard-earned money to hidden fees and missed opportunities for investment growth. The diff...
A new guide from the CFP Board is meant to help advisors through offering 401(k) rollover recommendations, which can be a tricky area for compliance.
Maxing out a traditional 401(k) without cash reserves triggers tax spikes and market losses. Here's where and how to save cash for easy retirement withdrawals.
The IRS issued Notice 2026-49 on August 12, 2026, with 4 optional sample forms and a 5-step process to simplify direct rollovers between retirement plans and IRAs. The guidance does not change rollove...
Millions of parents are cutting retirement savings to cover rising student debt. Discover three strategies to protect your future.
The optional forms aim to standardize direct rollovers, encourage electronic transfers, and take some of the paperwork out of moving retirement savings.
Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, m...
Paul and Angela in Florida are 52 and 45. What's the earliest the two of them can walk away from work at the same time, so Paul can spend a whole lot more time in the boat? That’s today on Your Money,...
There's value in having money in one place, but some 401(k) rules make rollovers more trouble than they're worth.
Don’t get sucked into ‘one more year syndrome.’ Older workers may have access to enough wealth to retire right now.
Private equity is finding its way into 401(k)s, but the risks (or benefits) for you may depend on how close you are to retirement. Here's what to look out for.
See what Vanguard's data says the median 401(k) balance is at every age — and why the average number may not represent most savers. The post Average 401(k) Balance by Age in 2026: How Do You Compare? ...
I am thinking of rolling my 401K which has a mix of mostly Roth and the company match in pre-tax into my existing Rollover IRA and Roth IRA. It seems like it will be simpler to manage and I will be ab...
Howdy gang! I've been reading up on retirement and planning to do so in the next couple months (age 65). I see the 4% rule quite a bit but it just doesn't seem to jive with my actual annual returns no...
Although millions of Americans don't have access to a 401(k), there are plenty of other ways to save for retirement. And the sooner you start, the better.
Thinking about pausing your 401(k) contributions? While it may seem like a quick way to free up cash, even a temporary pause may reduce compound growth, eliminate employer matching contributions, and ...
Rather than running to the sidelines or moving to cash when things get bumpy, seasoned savers are building up their balances and locking in long-term security.
It is impossible to beat the stock market. But if you want to divest your retirement of Elon Musk-related companies, here is the best way to do so.
There's value in having money in one place, but some 401(k) rules make rollovers more trouble than they're worth.
Your 401(k) account can be a tempting pile of cash, but dipping into it could cost you big time.
Most of the physicians we work with have a 401(k) story that sounds the same. They start funding it the ... Read more
Wondering what to do with your 401(k) during market volatility? While market downturns can be unsettling, panic selling, stopping contributions, and taking early withdrawals often cause more damage to...
Elon Musk’s rocket company, on the cusp of the largest initial public offering ever, will soon end up in index funds after rule changes by Nasdaq and other index providers.
The U.S. Department of Labor collected public comments on its proposal to give fiduciaries discretion to include alternative investments in 401(k) plans.
What looked like smart tax planning could become a problem. And not just for you — your kids could inherit a tax bomb. How to head off potential disaster.
Most 401(k) plans provide a little-known tool that can increase an account’s flexibility, expand the available investments and potentially increase total returns.
If wealth management clients have children who are recent college graduates, pointing them in the right direction on their first 401(k)s helps build strong connections with two generations.
In our retirement advice column, Wealth Wise, we help a reader navigate a heart-wrenching choice: Tap a 401(k) to save the lake home they love, or sell it to protect their financial future.
One of the most fortunate events of my life was my first job after college at the Center for Retirement Research at Boston College (CRR). Not because of the salary — I think I earned less than $40K. W...
Take our 10-question quiz see if your hard-earned nest egg is truly protected from hidden liabilities, or if you are exposed to unexpected risks.
A 401(k) offers several powerful retirement benefits, including tax advantages, employer matching contributions, catch-up contributions, and long-term investment growth. Understanding these benefits o...
Learn about super catch-up contributions for employees ages 60 to 63.
Some employers are suspending or scaling back retirement contributions, leaving workers with new questions about savings, taxes, and long-term planning.
401(k) withdrawal rules determine when you can access your money and what it will cost you. While you can typically withdraw penalty-free after age 59½, earlier withdrawals may trigger taxes and penal...
Just as the supercool "Easy Rider" characters discovered the road could be treacherous, so too have boomers had a rocky transition to retirement.
With about 41 million American workers lacking access to a retirement plan through their jobs, experts say advisors could play a pivotal role.
In this episode, Jessica Porter and Hayley Porter, financial planners at BPG Wealth Management, speak to 401(k) Specialist‘s Managing Editor Amanda Umpierrez about the 401k Girls, a financial educatio...