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401(k)

Gain Flexibility in Your Investments with a 401(k) Rollover

When your company offers a 401(k), it’s a convenient way to invest and plan for retirement. However, there’s a limit to how you can invest in a 401(k), so it’s better to roll over your 401(k) into an IRA account, preferably a Roth IRA. Some reasons to do a 401(k) rollover include: Lower fees Less taxes More ways to invest Benefits of a 401(k) Rollover Lower Fees Some 401(k)s that come from employers charge hefty administrative fees. It’s not enough to turn people away from using it, but it can add up. Plus, there are better options out there, such as an IRA....

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Converting Your IRA to a Roth IRA

One of the most important things to do throughout your career is to plan for retirement. When you set up your retirement account, there are two Individual Retirement Account (IRA) options: a traditional IRA and a Roth IRA. Some people start with traditional IRAs and switch to a Roth account later. Both have advantages and disadvantages, but there are several benefits of a Roth account that may be worth the switch. Traditional vs. Roth IRAs A traditional IRA is better suited for people who want tax deductions on their contributions and then pay the tax when they take withdrawals. The Pros of a...

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Tax Benefits of Rolling Your 401(k) Into an IRA

Your company’s 401(k) retirement plan is a great investment choice. However, there are many good reasons to consider rolling your 401(k)-retirement plan into an IRA. The process is simple, and you may find some tax benefits for making the switch. Understanding your options and the possible tax implications can help you make a well-informed decision. Less Confusing Rules One issue with a 401(k) plan is there is little to no standardization, meaning your 401(k) has the potential to work in a way completely different from the way your friend's, who is employed at another business, 401(k) works. Even if you have a...

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3 Options for Rolling Over Your 401(k) to an IRA

There are many reasons why you may be considering rolling over your 401(k) to an Individual Retirement Account (IRA). First, you may be looking to expand your options for investing. Second, you can consolidate multiple 401(k)s into one investment platform for saving on investment fees and lastly you have control of your investments and not your previous employer. Regardless of the reason, choosing the best fit for your investment will require understanding the options and their available benefits. Below we have compiled a helpful guide to choose which option may be best for your unique needs: Traditional 401(k) to Traditional IRA Your options...

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5 Financial Planning Tips for Retirement

As if there weren’t enough plans you have to make for retirement, don’t forget to account for tax payments. Even seasoned retirement advisors can forget about tax liability - exposing themselves to financial risks and hardships during what should be the golden years. As a retiree or someone close to retiring, use these financial planning tips to stay financially secure leading up to retirement and far into the future. Accurately Estimate Tax Payments Whether you plan on living off of a pension, Social Security benefits, individual retirement accounts, or some other source of income, you need to look at the big picture....

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HCM 401(k) Optimizer® Addresses the Number One Fear of Retirees

Macino Financial Services introduces HCM 401(k) Optimizer to help pre-retired and retired participants navigate investment options available in a company plan. According to USA Today, the number one fear of retirees is outliving their savings; yet, while 61 million Americans participate in employer-sponsored retirement programs (401(k), 403(b), 457, thrift savings plans), the overwhelming majority have little reliable information on retirement investing. HCM 401(k) Optimizer is designed to help participants implement an asset allocation strategy based on their specific tolerance for risk and the available investments under their 401(k), 403(b) or other defined contribution plan. The HCM 401(k) Optimizer produces a personalized asset allocation...

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