Tag: 403(b)

Make Your 401(k) Retirement Plan Work For You

January 28, 2013 | By Steven DiGregorio

When it comes to saving for retirement and building a portfolio to last a lifetime, most Americans are way behind. More than 54% of Americans report that the total value of their household’s savings and investments is less than $25,000, according to the Employee Benefit Research Institute’s annual Retirement Confidence survey. What’s worse, 27% have […] READ MORE


Traditional or Roth IRA, Which Retirement Fund is Right for You?

January 19, 2012 | By Steven DiGregorio

Do you need to plan more for your retirement?  These days who doesn’t? You may want to consider opening an individual retirement account to complement any workplace savings plan for which you might be eligible.  IRAs provide the potential for tax adantaged, compound growth of your retirement savings.  One key consideration in establishing a new IRA though is to decide whether a […] READ MORE


Tax-smart Strategies for Retirement Income Distribution

November 17, 2011 | By Steven DiGregorio

The first wave of baby-boomers turns 65 this year, and that means millions of new retirees will begin to switch from accumulating a nest egg to drawing income from it. If you’re a boomer, it’s time to start thinking about how you’ll convert decades of savings into a lifetime stream of income, which accounts to tap first and […] READ MORE


When It’s OK to Tap Your IRA

April 14, 2011 | By Steven DiGregorio

You’ve been saving diligently for your retirement, but now you need some of that cash to cover today’s expenses. Can you get to it without incurring Uncle Sam’s tax wrath? In some instances, the answer is yes. When you take money out of an individual retirement account before you reach age 59½, the Internal Revenue […] READ MORE


Retirement Success – Decoding the Mystery

April 5, 2011 | By Steven DiGregorio

Millions of Americans fear the unknown – Retirement. They fear not having enough money to live comfortably. They fear becoming dependent on their children because they cannot afford to make it on a fixed income. “Americans’ confidence in their ability to afford a comfortable retirement has plunged to a new low,” says the latest annual Retirement Confidence Survey […] READ MORE


Roth IRA 101 – The Basics

March 24, 2011 | By Steven DiGregorio

Take advantage of this tax-advantaged account to stretch your savings. I’ve received quite a few questions recently about how Roth IRAs work, so I figured it would be helpful to put several questions and answers together as an all-in-one Roth IRA guide.  Contribution limits Everything I read about preparing for retirement says to “save like […] READ MORE


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