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What is a 401k Hardship Withdrawal and Should You Ever Take One?

What is a 401k Hardship Withdrawal and Should You Ever Take One?

So, we all know that 401ks are meant for retirement savings. But we also all know that once in a blue moon, a situation arises – a big unexpected medical bill, lingering credit card debt, or a down payment on a home – where we kind of wish we could tap some...
What are the Best States to Retire In?

What are the Best States to Retire In?

Congrats! Your kids are out of the house, your mortgage is paid off, and you’re ready to retire. So now the question is: where should you retire? Does it Make Financial Sense to Relocate in Retirement? For those of us who want to retire in the US, there are...
How to Plan for Health Care in Retirement

How to Plan for Health Care in Retirement

The New York Times recently reported that the share of Americans with health insurance declined in 2018 — the first drop in this statistic since 2009. For many Americans, health care costs are a major cause of stress and worry, but even more so for...
Can I Contribute To A 401k And An IRA?

Can I Contribute To A 401k And An IRA?

This question comes up frequently when it comes to retirement: can I contribute to a 401k and an IRA? Fortunately for your retirement nest egg, you can contribute to both types of retirement accounts. In fact, both workplace and individual retirement...
Understanding Sequence Risk

Understanding Sequence Risk

If you are like lots of investors, you’ve probably never heard of sequence risk — also called sequence-of-returns risk — but it is a particularly pertinent concept for those nearing or just entering retirement. Simply put: Sequence risk refers to the order...
What Happens to Your 401k When You Leave Your Job?

What Happens to Your 401k When You Leave Your Job?

Are you one of the millions of Americans who contribute a portion of your salary each pay period to a 401k retirement savings plan? Unlike an Individual Retirement Account (IRA), 401ks are sponsored by employers. So this brings up the question: What happens...
How do 401k Loans Work and Should You Ever Consider One?

How do 401k Loans Work and Should You Ever Consider One?

The 401k plan is ubiquitous when it comes to retirement planning — millions of Americans regularly contribute to them. 401ks are pretty iron-clad savings vehicles as it can be difficult to withdraw money prior to your retirement age without hefty...
How to Achieve Financial Independence

How to Achieve Financial Independence

Financial independence is something that all of us want, but it can be elusive. For many of us, there’s always something that keeps us awake at night when it comes to our money. I’ve been on my own journey towards financial independence for the last several...
Retirement Living: What Does Retirement Mean to You?

Retirement Living: What Does Retirement Mean to You?

When it comes to gauging retirement preparedness, do you have a good sense of whether your savings are on track to fund the retirement life you envision? Are you looking for some benchmarks? Follow along as we explore key findings of a national poll...