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General Information

Plan Limits for 2008 - The IRS retirement plan limits that are effective on January 1, 2008.

Plan Rollover Chart - This is a chart of what the Internal Revenue Service regards as permissible when rolling funds over from one type of retirement account to another.

Tax Issues When You Inherit a 401(k) - How the 401(k) is treated for tax purposes.

A Roth 401(k) Overview - There are a number of advantages to a Roth 401(k).

Ten Tips To A Stronger 401(k) - Use these tips to keep your 401(k) fit and ready for you when you need it.

Americans Talk a Good Game on Finances But Fall Short in Practice - While Americans want to pay off debt and save for retirement, they are not doing enough to ensure their future comfort. Here are some tips to help you match your actions with your ambitions.

What is a 401(k) Plan? - A quick overview of what a 401(k) plan is.

How does a 401(k) Plan Work? - A quick overview of how a 401(k) works.

Does The IRS Ever Waive The 10% early withdrawal penalty? - There are only a few reasons the IRS will waive the 10% early withdrawal penalty. Here is a quick review of them.

Questions And Answers About Retirement Plan Distributions - Whether you are about to change careers or retire, you have made an important decision for your future—one that may be filled with exciting plans, hopes, and opportunities. As you prepare for this change, you have one more important decision to make: what you should do with the retirement investments that have been accumulating on your behalf.


Preparing For Retirement

Making the Transition: A Pre-Retirement Checklist - Here is a checklist prepared by Fidelity Investments that should help those approaching retirement.

Ten Ways To Beat The Clock and Prepare For Retirement - Here is a great outline of the top 10 ways to prepare for retirement. It will help you get started regardless of your age or situation.

How 401(k) Catch-up Contributions Work - One of the big questions retirement savers have been asking is how the age-50 and over catch-up contribution option works.


Calculators

  • What will my investment be worth in the future?
  • How much could I save over time?
  • How long will my retirement savings last?
  • What interest rate do I need to support my retirement?
  • How much do I need to fund my retirement?
  • What savings amount should I start with?
  • How Much Will I Need When I Retire
  • Social Security Retirement Calculator
  • Financial and Investment Planning

    Invest Wisely: An Introduction to Mutual Funds - This brochure explains the basics of mutual fund investing — how mutual funds work, what factors to consider before investing, and how to avoid common pitfalls.

    Debt and Retirement Savings - Since debt continues to be the number one reason most workers don't participate in their 401(k), we want to give you some simple tips on how to start funding your retirement savings and some guidelines for controlling your debt.

    A 401(k) Checkup to Keep Your Retirement Savings in Shape - An annual check-up at a time that works best for you (it doesn't have to be in the fall) is a good way to do this. Here are some tips.

    Who Needs To Be A Millionaire? You, If You Want To Retire - The biggest danger you're facing as a retirement saver isn't having too many eggs in one basket, but not accumulating enough eggs in the first place.

    Understanding Investment Risk - Understanding the balance between risk and return on your investments can help you build an investment strategy for your retirement assets that you can live with and benefit from.

    The Magic of Compounding - Compounding investment earnings is what can make even small investments become large investments given enough time.

    Planning Financially in Uncertain Times - With Americans facing economic recession, job losses, and uncertain times, how does one prepare financially for an unexpected life event?

    Ten Steps To Making a Financial Plan - How many times have you thought about developing a financial plan, but have never known where to start. It is important that you get started now because your financial plan will help you achieve your goals more easily and attain the lifestyle you want in the future.

    Asset Allocation Made Simple - As you accumulate retirement assets, the most important decision you need to make is how the assets are going to be invested. The allotting of your retirement assets across stocks, bonds, money market, and other investments is referred to as asset allocation. Your asset allocation decision, more than any other decision, will determines how fast your retirement account will grow.

    Why Is Knowing The Investment Style Of A Stock Mutual Fund Important? - Different equity investment styles perform differently at different points in time, and all investment styles will under perform the general market indexes at some point. This is why it is very important that you have all styles represented in a well diversified portfolio.


    Loans and Hardship Withdrawals

  • A Quick Overview on 401(k) Loans
  • A Quick Overview on 401(k) Hardship Withdrawals
  • Hardship Withdrawals Give Access to Your 401(k) Savings, But at a Cost
  • 401k Loans: When you need your money NOW
  • Warning: 401(k) Loans are Hazardous to Your Wealth
  • CPAs | Wealth Advisors | Retirement Plan Services | Benefit Advisors | International Services

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