Retirement Planning

When it comes to saving for your future, deciding where to direct your next dollar can be difficult. From emergency funds and workplace retirement plans to debt repayment and long-term goals, a general "hierarchy" is one framework individuals may use to guide their savings decisions.

This comprehensive video explores key insights and best practices to use when applying for your Social Security benefits. It's never too early to begin to educate yourself on the various topics that will impact your retirement readiness. Our hope is to continually provide plan participants valuable information like this that can help them on their journey.

When it comes to planning for retirement, finding a simple and effective way to manage your investments can make a meaningful difference over time. Target date funds are one approach many investors use, offering a diversified portfolio that automatically adjusts as you move closer to retirement.

This video highlights the importance of electing and maintaining an up to date beneficiary for your retirement plan.

Starting January 1, 2026, a significant change takes effect for workplace retirement plan participants age 50 or older who earned more than $145,000 in the prior year: any catch-up contributions to a 401(k) or 403(b) must be made as Roth (after-tax) contributions. This requirement comes via the SECURE Act 2.0. This article explains what the change means, who it applies to, and how it might influence your retirement savings strategy.

In this video, you’ll get a clear, easy to follow breakdown of how your employer’s retirement plan matching program works - what the “match” means, how contribution formulas are structured, and how you can make the most of this benefit to accelerate your long-term savings. It’s a practical primer to help you take full advantage of the free money your employer is offering.

In this video, you’ll get a clear explanation of how pre-tax and Roth retirement plan contributions differ, including how each option affects your taxes now and in the future.

This video explains how asset allocation works and why it is a consideration in retirement planning. It describes concepts including diversification, market risk, inflation, and how an investment mix may change as an investor moves closer to retirement. It also describes target-date funds, which are designed to adjust their allocation over time based on an assumed retirement date, as one of the options a plan may offer.