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Retirement

How Much Money Do I Need to Save For Retirement?

Calculating How Much Money You Need for Retirement
Every so often I receive questions from readers. I try to answer them all directly, but occasionally a question comes up that is very broad and is one that more people are thinking about but not asking. Everybody wants to know how much they should [...]

Don’t Treat Your 401(k) Like a Savings Account

As a Chartered Retirement Planning Counselor and someone who deals specifically with retirement issues I spend a lot of time helping participants with their retirement plans. One of the most common reasons participants would meet with me is because they say need money and they are looking to take it out of their [...]

Are Automatic IRAs the Answer for Low Income Workers Saving for Retirement?

There has been increasing discussion lately about new ways to help lower income employees who may not have access to more traditional retirement savings to begin saving for retirement. We already have a number of retirement vehicles available for most people, but there are still millions of people who simply don’t save anything [...]

The American Workers, State, and Business Relief Bill of 2010 to Expand Roth 401(k) Conversions

Have you heard of The American Workers, State and Business Relief Bill of 2010 that’s been floating through Congress this year? Don’t worry, you’re not alone. It hasn’t received much press, but there was one little tidbit that caught my attention since it has to do with Roth 401(k)s and conversions. The idea is to [...]