Resources

Proposed Bill Designed to Increase Retirement Plan Participation

The Setting Every Community Up for Retirement Enhancement legislation, referred to as the SECURE Act, proposes the most significant changes to the retirement savings landscape in more than a decade. The bill passed in the House in May 2019 but has stalled in the Senate. It has support, but not unanimous consent, and some say it may not pass this year.1,2

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Cybersecurity: 10 Tips to Protect Yourself and your Personal Data

Cybersecurity: 10 Tips to Protect Yourself and Your personal Data

As major companies continue to experience system compromises that result in the theft of personal data, it is more important than ever to take steps to keep your personal financial information secure.

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Estimated Health Care Costs

Health Care Costs

Health care costs are a top concern during retirement, but the rise in costs seem to be slowing.

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RPS Fed Changing Stripes

Fed Changing Stripes - Political and Historical View

We all know the global economic growth environment has become cloudier. We’ve consistently called for economic growth to decelerate this year. The deceleration in growth appears to be now occurring. In fact, the Federal Reserve is suggesting that monetary policy is going to become more accommodative than has been the case for the last two years.

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RPS Mid Year Review

Mid-Year Review: Great First-Half for U.S. Equities as Standard & Poor's 500 Index Hits New Record High...What's in Store for the Second-Half? 

"I don’t make jokes. I just watch the government and report the facts.” - Will Rogers

In our opinion, 2019 is off to a positive start. Through June 30, the S&P 500 was up 17 percent, and the headlines in The Wall Street Journal describing the period read: “…Best First-Half in 22 Years”3. U.S. stocks exhibited momentum at the end of this six-month stretch as well, with the S&P 500 recording its best June since 1955. 

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Mariner Wealth Advisors Retirement Plan Solutions team breaks down the need to establish a retirement plan.

Establishing a Retirement Plan

The Employee Retirement Income Security Act ("ERISA") is clear about the results that plan fiduciaries must achieve.

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Plan Ahead for Medicare RPS

Plan Ahead for Medicare

As we look ahead to retirement, we realize that we have to sign up for Medicare, but we may not know where to start or which plan options are best for our situation. The good news is, at Mariner Wealth Advisors, we can help you assess your needs and offer guidance on enrollment.

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RPS Your Life, Simplified Episode 21

Simplifying Senior Living: What's the Right Choice for You? (34:54)

As we grow older, we will all need to make choices regarding senior living. Whether you’re making decisions for your parents, a spouse, yourself or other loved ones, it is important to have a clear understanding of the housing options available. Choices can range from facilities with assisted living services or memory care to continuing care retirement communities (also known as life plan communities) to receiving assistance in your home, and each of these options has different implications for your health and finances. Join us as we talk with Sally Abrahms, an award-winning writer and nationally recognized expert on aging, as she shares her insights on trends in senior living that may influence your choice in housing options. 

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Develop a Spending Plan. Save. Invest.

Develop a Spending Plan. Save. Invest

Regardless of where they stand on the path toward retirement, many people feel overwhelmed by the idea of planning for this major life event.

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SIMPLE IRA vs. 401(k)

For small companies a SIMPLE IRA can make sense as a retirement savings option for both the business owner and their employees. But as the company grows, a SIMPLE IRA may no longer be a fitting solution.

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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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1 “SECURE Act Ensared in Senate After Flying Through House,” planadvisor.com. https://bit.ly/2ZiLslG
2 “House Overwhelmingly Backs SECURE Act; Focus Now Turns to Senate,” NAPA. https://bit.ly/2z5Wmg9