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retirement planning

Could Debt Sabotage Your Retirement?

Submitted by The Participant Effect on May 24th, 2018

During youth, we often assume we’ll have plenty of time to pay off our debts. As part of a solid financial wellness plan, we know it’s important to become debt-free, but we put it off for another day.

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  • financial wellness plan
  • retirement planning
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The Secrets of the 80% Rule

Submitted by The Participant Effect on May 18th, 2018

At some point, the government decided that a retiree needed to only save enough to live on 80 percent of their cost of living. But as an experienced Financial Advisor can tell you, that isn’t a hard-and-fast rule.

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  • financial advisor
  • retirement planning
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How to Make Your Retirement Savings Last

Submitted by The Participant Effect on May 4th, 2018

At one time, employees worked until they reached their 60s and passed away not long after retirement. However, as life expectancies have reached the late 70s and early 80s, planning for a long retirement is an integral part of managing financial risk. Consumers must plan for longer golden years.

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  • manage financial risk
  • retirement planning
  • retirement savings
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Retirement Terms You Need to Know

Submitted by The Participant Effect on March 23rd, 2018

Speaking to a Human Resources representative or 3(21) fiduciary investment advisor can be challenging when conversations are filled with jargon you don’t understand. Fortunately, it’s easy to research these terms.

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  • 3(21) fiduciary
  • retirement planning
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8 Things About 401(k)s Every Baby Boomer Should Know

Submitted by The Participant Effect on February 23rd, 2018

Part of good fiduciary risk management is understanding how to protect your own finances. For those considered baby boomers, retirement has now become reality with 10,000 people retiring daily.

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  • fiduciary risk management
  • retirement planning
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Your Retirement Savings Timeline

Submitted by The Participant Effect on January 29th, 2018

Retirement: No matter how close it is or how much you’ve saved, it still seems to feel far away.

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  • education
  • retirement planning
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The Risks of Borrowing from Your 401(k)

Submitted by The Participant Effect on January 5th, 2018

Life is full of emergencies. When the unexpected occurs and expenses suddenly come out of nowhere, it may be tempting to borrow from your 401(k); after all, retirement is years away, and you have plenty of time to replenish the account.

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  • retirement planning
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Retirement Reality for Millennials

Submitted by The Participant Effect on December 20th, 2017

Conventional wisdom has young workers putting money aside each month for their golden years. Part of the traditional fiduciary process is paying off all debts, then transferring money into a 401(k) or other retirement savings account from each paycheck.

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  • retirement planning
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Overcoming the Hurdle of Student Debt to Gain Financial Wellness

Submitted by The Participant Effect on November 29th, 2017

Whether you’ve just entering the workforce or you’ve been working for a while, you are probably concerned about your financial future. The longer you go without addressing your debt, the higher your fiduciary risk. But with monthly expenses and college loans, reducing that risk can be tricky.

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  • education
  • retirement planning
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Why You Can’t Pass Up the Savings a 401(k) Plan Brings

Submitted by The Participant Effect on November 9th, 2017

Despite the overwhelming financial advice, the majority of Americans have little to no retirement savings, and it’s a problem that seems to be getting worse.

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Latest Blog Posts

I’ve Depleted My Emergency Fund. Now What?

Submitted by The Participant Effect on February 4th, 2021

Perhaps you’ve lost a job, faced an illness or have been delt a family crisis that emptied out your emergency fund. What are your next steps?

 

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  • budget
  • emergency fund
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How Much House Can I Afford?

Submitted by The Participant Effect on February 4th, 2021

You’re eyeing center-hall colonials in your neighborhood and dreaming about the garden you want to plant in the backyard and all the holiday celebrations you’ll host. You’ve saved toward this goal and think you’re ready to pull the trigger. But the real question is: How much house can I afford?

Or is it?

Tags:
  • budget
  • buying a home
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Is Social Security “Going Broke”?

Submitted by The Participant Effect on September 30th, 2020

Social Security’s financial cliff is coming closer into view. Experts project that the fund that pays for government retirement benefits through FICA taxes will be depleted within the next 15 years.

 

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  • retirement
  • retirement planning
  • social security
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