All in Retirement Planning

What Should I Do With My Old 401(k) or Employer Plan?

This FREE Guide reveals the 5 options to bring your zombie plans back to life!

Should you leave it where it is?

Move it?

Roll it over?

I’m talking about that old 401(k), 403(b), or 457 plan that’s been sitting untouched after you left an employer.

(If you’re facing retirement, it’s even more critical that you make the right decision.)

Employer plans are designed to be “one size fits most” based on what the employer feels will benefit their employees the most.

So when you leave, change employers, or transition into retirement, it’s up to you to re-evaluate your plan by asking yourself,

Is my old employer plan serving me the best way I believe it should?

If you don’t have the answer yet, that’s OK.

This FREE guide will help you get the answer that makes the most sense for you.

[FREE] Checklist: 3 Pillars of Successful Retirement Plans

The decisions we make now, define our retirement lifestyle and our ability to retire successfully. I realize this is a loaded statement because defining ‘retirement’ and ‘successful’ is different for everyone. However, we can all agree the time period before and after deciding to stop working a career position full-time is critical.

Many opt to do nothing. Put it off “just one more week,” or wait until you really need to do it (unfortunately it could be too late).

Sound familiar? We put things off that don’t feel important now … always waiting to the end of the wire. What I like to call ‘financial procrastination.’

Unfortunately, we simply can’t afford to do that with our retirement.

I bet after you read this guide and checklist I put together, you’ll feel:

  • Relieved and excited about your traditional-work-free life

  • Confident and clear about your retirement future

  • Incredibly fortunate that you didn’t wait until it’s too late

A "must read" — especially within 5 years of retirement

If you’re within 5 years of retirement, there are a handful of easy “thought exercises” you must do that can make or break your retirement plans.

You’ll see how powerful these are in a second.

The problem is, many people put them off, thinking, “I’ll get to that later … it doesn’t matter right now.”

Years later, they finally make the time to address them because they have no choice. By then, it’s often too late.

Don’t fall into that trap.

See, I’ve found there are 3 essential pillars to a successful retirement plan.

#Retirement Strategies: #Stocks for the Long Run

One of my core tenets of investing success when it comes retirement strategies can be summed up in the title of Jeremy Siegel’s classic book: Stocks for the Long Run. This is a great read for anyone looking to get a good dose of data on why owning a properly allocated basket of diversified equities is often wiser for the long-term investor than, say, owning a portfolio of fixed-income investments.

One of the Most Misunderstood Benefits of the #RothIRA

One of the most misunderstood benefits of the Roth IRA, in short, is FLEXIBILITY.

What do I mean by flexibility. Well, in particular, most people either don’t know or are misinformed about when you can take money out of their Roth IRA free of penalties or taxes. Namely, you can take out the contributions you put into your Roth IRA at any time for any reason without penalties or taxes owed.

Time IN the Market > TimING the Market

The belief that you, or a particularly talented financial manager, can foresee the direction of the stock market is a seductive one. Some investors are confident that, with proper research, they can make money by snapping up equities when prices are low, and shifting their investments into cash or bonds when the market hits its peak. Even worse, they believe they can pay someone else can do it for them. But longitudinal studies have shown time and time again that no one can consistently predict the direction of the market in the short run.

Study Shows Delaying Retirement May Increase Longevity, Especially for Men

In October, the Center for Retirement Research at Boston College published a research paper showing how policies in the Netherlands that delay retirement can increase longevity, especially for men. The working paper, “How Does Delayed Retirement Affect Mortality and Health?” was written by research economists Alice Zulkarnain and Matthew S. Rutledge. The authors observed that older Americans have been retiring later for a number of reasons, including because work is becoming less physically demanding, employers have shifted from defined benefit to defined contribution pensions, and Social Security’s incentives are changing. The researchers cautioned, however, that understanding the implications of working longer for mortality and health is complicated, because people who are healthier tend to work longer than people who are less healthy.