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Retirement Planning

6 Habits to Adopt Now to Help Ensure a Successful Retirement Later by Lee F. Hediger

Posted November 29, 2023

If you want to get in shape, you should establish healthy eating habits and a regular exercise schedule. Are you looking to play an instrument? Take lessons and start a routine of practicing regularly. The road to success is paved with positive behaviors and lifestyle choices. Retirement is no different. Following are six habits that […]

401(k) Plans Help Employers Attract, Retain Workers Without Increasing Costs, Administrative Headaches By Olga Ismail

Posted November 16, 2023

Ongoing economic uncertainty, persistently high inflation and a tight labor market have made it increasingly difficult for employers to attract and retain top talent. However, according to the result of a survey published in July 2023, one of the best ways employers can differentiate themselves from the competition is to offer a retirement savings plan […]

IRS Again Delays RMDs for Inherited IRA By Robert Mark Weiss, CFA

Posted October 26, 2023

In July 2023, the IRS issued guidance granting taxpayers temporary relief from compliance with recently enacted laws concerning required minimum distributions (RMDs) from tax-deferred retirement accounts, including individual retirement accounts (IRAs) and 401(k)s. The Secure Act, signed into law in 2019, introduced a requirement that certain non-spouse beneficiaries of inherited IRAs draw down those accounts […]

What is a Financial Plan? By Lee F. Hediger

Posted September 13, 2023

A financial plan is a written document that lays out your future financial, business and lifestyle goals and maps out comprehensive strategies for achieving them. Contrary to popular belief, financial planning is not just for the wealthy. Rather, it is a critical planning tool that can help all individuals at all income levels make informed […]

IRS Again Delays RMDs for Inherited IRA By Robert Mark Weiss, CFA

Posted August 9, 2023

In July 2023, IRS issued guidance granting taxpayers temporary relief from compliance with recently enacted laws concerning required minimum distributions (RMDs) from tax-deferred retirement accounts, including individual retirement accounts (IRAs) and 401(k)s. The Secure Act, signed into law in 2019, introduced a requirement that certain non-spouse beneficiaries of inherited IRAs draw down those accounts and […]

Don’t Forget Taxes on Social Security Benefits in Retirement By Lee F. Hediger

Posted August 1, 2023

Too often, individuals planning for their golden years forget to consider the federal taxes they will need to pay on their Social Security benefits. Unfortunately, these oversights can take a considerable bite out of one’s expected income in retirement. Generally, if the income you rely on in retirement comes from sources other than Social Security, […]

Options for 401(k) Plans When You Change Jobs By By Jessica Pendergraft, CFP®*

Posted June 20, 2023

According to the U.S. Bureau of Labor Statistics, the median number of years that wage and salary workers aged 25 and older had been with their current employer in January 2022 was 4.9 years, the same as in 2021 and just 0.01 percent less than in 2018. That translates to approximately nine jobs over 45 […]

It’s Time to Repay COVID-Related Distributions from Retirement Plans By Sean Deviney, CFP®*

Posted May 18, 2023

Congress passed the CARES Act on March 25, 2020, to provide immediate economic assistance to individuals, families and businesses struggling during the COVID pandemic. Among the law’s provisions was an opportunity for qualifying individuals to take penalty-free early withdrawals of as much as $100,000 from their 401(k), 403(b) and IRA retirement plans during calendar-year 2020. […]

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