Retirement Planning
What are the most important things in your life right now?
Employer Sponsored
An employer-sponsored plan is a type of benefit plan offered to employees at no or relatively low cost. These plans, such as a 401(k) or HSA, cover an array of services including retirement savings and healthcare. Employees who enroll in such programs capitalize on the benefit of receiving discounted services.
Individual Retirement Account
The main difference between 401(k)s and IRAs is that employers offer 401(k)s, but individuals open IRAs (using brokers or banks). IRAs typically offer more investments; 401(k)s allow higher annual contributions. … That match may offer a 100% return on your money, depending on the 401(k).
Annuities
Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on.
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How much do I need to save for retirement?
Having enough for retirement doesn’t just happen – it’s a coordinated effort. And that effort is easier if you have a goal in mind – so how much money do you need to retire?
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