For many years the investment advisory community has proposed that if retirees withdrew their retirement assets at the rate of 4% annually there is a high probability that assets would last to normal life expectancy.The 4% “rule” is not a … Read More

Do you spend more time planning your annual vacation than you do thinking about your personal finances? If so, you’re not alone. A lot of people put off financial planning or avoid it altogether. Personal financial planning is an ongoing, … Read More

l. Introduction Plan sponsors and other fiduciaries responsible for 401(k) plan investment menu construction, including their advisors, are demonstrating growing interest in adopting collective investment trusts (CITs) as plan investment options. There are several powerful market forces driving this trend. … Read More

When it comes to fiscally frugal health insurance options, health savings accounts (HSAs) aren’t exactly new to the game. They’ve been around since 2003 and have only increased in popularity among employers, politicians and certain types of employees. In recent … Read More

1. What it is? Your employer’s retirement plan is a defined contribution plan designed to help you finance your retirement. Federal and sometimes state taxes on your contributions and investment earnings are deferred until you receive a distribution from the … Read More

IRS Limits on Retirement Benefits and Compensation   2022 2021 2020 401(k), 403(b), 457 Elective Deferral Limit $20,500 $19,500 $19,500 Catch-Up Contribution Limit (age 50 and older) $6,500 $6,500 $6,500 Annual Compensation Limit $305,000 $290,000 $285,000 Defined Contribution Limit $61,000 … Read More

Roth 401(k) Basics Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made … Read More

CryptoCurrencies, Blockchain, Hash Generator, BTC, Ethereum…. If you weren’t sure if this was English, you are not alone. While Bitcoin is one of the biggest stories in today’s world, many still don’t understand what it is or how it works. … Read More

Putting your savings goals into perspective. A little bit can go a long way. The tables below show how money invested in your retirement plan can grow over time. For more information call 888.439.7071. *Percentage of salary. Values are for … Read More