Expert Retirement Planning

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

... you have earned stays in the 401k, allowing your account to earn even more by compounding interest. As an employee you are able to manipulate your contributions and reduce the amount of tax you pay. You ...

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

When it comes to how much to save for retirement, there are several key questions and variables to consider. The earlier you start to save, the more money you will have, and the less effort it will require ...

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

... advisors estimate you will need approximately 70 -80% of what your expenses were before retirement, in order to enjoy a similar standard of life that you have become accustomed to. If you have your sights ...

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

... have enough money following retirement to enjoy a comfortable lifestyle for the rest of your life - no matter how long that may be. The last thing you want to deal with is finding yourself forced to re-enter ...

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

Think you know all the relevant facts about your 401(k)? Do you have any idea of the factors that you'll need to take into consideration if you decide to change jobs? Many people leave one job to take ...

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

Are You Saving Enough? If you aren't saving for retirement, you aren't likely to ever have the money you need to enjoy a retirement lifestyle. To figure out how much you need to save, it's a good idea ...

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

Do you know as much as you should about your 401(k) account? Many people who think they have all the facts about retirement planning and saving via a 401(k) are surprised to learn some basic truths about ...

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

... that they don't have as much money as they expected and need. Planning for retirement is an ongoing process. While you shouldn't treat your 401(k) like a short term investment, particularly when there's ...

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

Haven't started saving for retirement yet? Are you putting off saving for retirement until you have "enough" money? Do you believe that social security will provide significant income to meet your living ...

10. Getting a Head Start on Retirement Planning
(Content/Retirement Planning)

... you identify them. After setting your retirement planning goal and working through the process with your financial planner, you'll have a more clear and realistic idea of how you need to save, how long ...

11. 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 ...

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

... IRA, when you withdraw money from the account after retirement, you don’t have to pay taxes on any of the money. You've already paid income taxes on the initial funds invested, and there is no tax obligation ...

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

... have to repay the loan to avoid penalties. Often, if you change jobs before paying back the loan, you'll end up having to pay it back in a lump some to keep from having to pay penalties instead of being ...

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

... by thirty percent per month. This means that your monthly retirement income will be thirty percent less than it would have been if you had chosen to put off receiving benefits upon reaching the mandatory ...

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

... you don't have extra money in your budget. However, you also want to be able to retire at some point in the future. That's why it's so important to make room in your budget for retirement savings. If ...

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

... need to enjoy the retirement lifestyle that you've always hoped to have.  ...

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

... amount of money now, and in the future. When you take money out of your 401-k plan before you reach retirement age, you will have to pay an early withdrawal penalty. Additionally, you will have to pay ...

18. Save Money Now Through Tax Deferred Retirement Savings
(Content/Retirement Planning)

... in have an opportunity to accrue gains, which are also not taxable until the funds are withdrawn from the account. The tax benefits of investing for retirement can be huge. Don't you owe it to yourself ...

19. Stop Making Excuses About Retirement Planning
(Content/Retirement Planning)

...  You don't have to set aside huge sums of money to get in the habit of saving for retirement. Simply put a few dollars from each pay check into a tax deferred retirement account, if you are eligible to ...

20. Small Changes Make Big Differences in Retirement Planning
(Content/Retirement Planning)

... you hope to enjoy later in life. Many people feel that they can't afford to start saving for retirement, and that's why they put it off for so long. They have the misconception that putting away money ...