Articles

It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.

If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.

A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.

Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

With the changing pension landscape, it is important to take charge of your own retirement security.

401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

A Roth 401(k) is funded with after-tax money, and allows for tax- and penalty-free withdrawal of earnings if requirements are met.

There can be a substantial benefit to deferring taxes as long as possible.

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

Consider a trustee-to-trustee transfer to an IRA versus a lump-sum distribution from a workplace retirement plan.

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

Tax-deferred retirement account withdrawals before age 59½ generally trigger a 10% federal tax penalty.