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Retirement Plan Limits

2019 Retirement Plan Limits

The Internal Revenue Service announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for the tax year. The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan is increased from $18,500 to $19,000. Additional information regarding the new limitations can be found in the table below.

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No Regrets Retirement

No Regrets Retirement

If you make adjustments to how you handle finances today, you’ll be less likely to look back on your “savings” years with regret. Learn from the experience of others, and use some basic budgeting strategies to help you stay on track.

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Ready Set Retire

Ready, Set, Retire

If your retirement date is less than ten years away, it’s a good time to start thinking about the transition from work to retirement. In fact, your “in” retirement plan may be more crucial than your savings for retirement plan has been.

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Stick To The Plan

Stick To The (Spending) Plan

In a recent survey, 36 percent of people said they are able to save some for retirement, but not enough. 32 percent said they are not able to save at all right now because of other obligations. In whichever circumstance you find yourself, the following tips may help you find (more) money for retirement.

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Retirement Savings Plans

Design Your Retirement Plan

Your employer’s retirement plan likely offers several investment choices. The right mix of investments plays an important role in helping you save for retirement. It may also help lessen risk to your savings when the stock market moves up and down.

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Slow Start Saving For Retirement

Slow Start: Strategies To Help You Stay In The Race

Americans ages 55 to 64 who have retirement accounts have accumulated approximately $100,000 in savings. That will produce just a few hundred dollars a month to add to their Social Security payments. Those without a savings account have accumulated about $12,000 for retirement. Most likely, they’ll need more.

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Don't Rob Your Retirement

Don't Rob Your Retirement

Are You Living Within Your Means? It’s reported that 127.5 million Americans aren’t. Living beyond your means can be described as: living paycheck to paycheck, no savings for emergencies, no savings for the future.

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Life Happens

Life Happens

Your employer’s retirement plan offers a convenient way to save automatically for your future with every paycheck. It’s nice that you don’t have to give it much thought. However, there are times when you should review your savings plan. A wedding, a baby, a divorce, a loss of a partner—all can have an impact on how you save.

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Saving Enough For Retirement

Saving Enough

As you reach certain milestones, it becomes more obvious that retirement is fast approaching. Are you saving enough? It’s a good idea to review your savings at key checkpoints and find ways to overcome possible gaps.

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Hope Is Not A Strategy

Hope Is Not A Strategy

If you’re already contributing to your employer’s retirement plan, you’ve made a smart choice and may be well on your way to a comfortable future. However, most people who are saving for retirement aren’t sure they’re saving enough. They’re hoping so.

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Trim Dining Out Expenses

Trim Out Dining Expenses

Finding money to save for retirement can be tough. Cutting down on dining out can help. Think of the possibilities if you saved the money in your employer’s retirement plan.

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A Key To A Healthy Portfolio

Key To A Healthy Portfolio?

Contributing to your employer’s retirement plan is an important step toward a potentially secure retirement. The types of investments you choose in your retirement account may also determine what your retirement lifestyle will be. It could be a factor in deciding between the value menu or steak for dinner.

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Retirement Savings

Retirement Savings

It may seem tough to save for retirement when you have today’s bills to pay. But the reality is that YOU are the most important piece in banking enough money for the retirement you want.

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