Expert Retirement Planning

1. How to cash out your 401(k)
(Content/Retirement)

... due immediately. It could be rather stressful to find yourself unemployed with an imminent loan on your hands at the same time. IRS rule 72(t) provides one way to take early 401(k) withdrawals without ...

2. How is your 401(k) taxed?
(Content/Retirement Planning)

... employee is taxed at the "ordinary income" rate, falling into whatever tax bracket they happen to be in at the time, even if they have retired. If you do change jobs, as long as you rollover your 401k ...

3. How much should I save for Retirement
(Content/Retirement Planning)

... year old who invests $2000 a year for 32 years, even though the 35 year old invests four times as much. Everybody comes into retirement under different circumstances. Ideally you are mortgage free and ...

4. How to plan for Retirement
(Content/Retirement Planning)

A happy and stress free retirement is something everybody deserves after a lifetime of work. This can be attained with a little planning and forethought. Taking the time to envision how you’d like to spend ...

5. Social Security and Retirement Planning
(Content/Retirement Planning)

When making plans for retirement, it's important to spend some time thinking about how social security will fit into your plans. It's possible to start social security benefits at the age of 62. The earlier ...

6. 4 Top Tips for Retirement Planning
(Content/Retirement Planning)

... on social security or pension plan to fully fund your retirement years. Many experts predict major changes in the social security system over the coming years. The length of time between now and when you ...

7. How Changing Jobs Can Affect 401(k) Plans
(Content/Retirement Planning)

... print of your 401(k) than you realized. To make sure that you're as prepared for retirement as you think you are, be sure to take the time to make sure you understand the truth about the terms of your ...

8. Beware of Retirement Planning Mistakes
(Content/Retirement Planning)

... too young to start saving for retirement, you're making a serious mistake that could literally cost you millions of dollars over your lifetime. If you've put off saving until you hit middle age, you might ...

9. What You Might Not Know About Your 401(k)
(Content/Retirement Planning)

... to increase significantly over time. Truth About Tax Deferred: Don't lose sight of the fact that the money you put into your 401(k) goes into the account pre-tax. However, there's a big difference between ...

10. Retirement Plan Progress Check
(Content/Retirement Planning)

... a significant amount of time before you plan to retire, you do need to do periodic progress checks on your retirement savings accounts. Keep in mind that the market changes over time, so the investment ...

11. Protect Your Future Today with Sound Retirement Planning
(Content/Retirement Planning)

... security at risk. No matter how long you have until retirement, it's a fact that now is the time to start saving if you want to avoid having to continue to work well past the age that you should be able ...

12. Understanding Retirement Plan Rollovers
(Content/Retirement Planning)

... already have a trusted financial advisor, when you are faced with making an IRA rollover decision, it's certainly a good time t consider getting one. Your financial advisor can help you make a wise decision ...

13. 5 Retirement Planning Tips
(Content/Retirement Planning)

... with whom you feel comfortable. Once you select an advisor, take the time to discuss your retirement goals so he or she will be able to best help you achieve your objectives. 2. Don't Put Off Saving for ...

14. Understanding the Roth IRA
(Content/Retirement Planning)

... original funds invested as well as capital gains taxes on the interest earned on the money during the period of time it was invested. With a Roth IRA, money goes into the account post tax. That means ...

15. Understanding Your Employer Sponsored 401(k)
(Content/Retirement Planning)

... with an employer match if your company offers such a benefit. Make sure you take the time to educate yourself about the details of your company's retirement program. While there are many similarities ...

16. Social Security Considerations for Retirement
(Content/Retirement Planning)

... retirement age of 70. The benefit reduction decreases as you get closer to 70, and at 70 you are eligible for full benefits. Of course, you'll receive benefits for a longer period of time if you elect ...

17. Make Room in Your Budget for Retirement Savings
(Content/Retirement Planning)

... career can add up to big benefits with smart investments and time. Any amount that you can put away for retirement will help you move closer to your goals. The sooner you start saving for retirement, the ...

18. Retirement Planning Tax Advantages
(Content/Retirement Planning)

... on investments in qualified retirement accounts are deferred until such a time that you start taking distributions from the account. This means that your annual taxable income is literally reduced by the ...

19. What is a 401(k) Retirement Account?
(Content/Retirement Planning)

... to begin withdrawing money from the account, at which time income taxes and taxes on earned gains become due. Individuals who withdraw funds from the account prior to reaching retirement age are subject ...

20. Don't Touch Your 401-k Until Retirement
(Content/Retirement Planning)

...  Additionally, withdrawing money from your IRA now can reduce your post-retirement benefits by a very significant amount. Left alone, the money in your 401-k can grow exponentially over time. A relatively ...