Does My Employer Match Go Into Roth or Pre-Tax?
If you’re making Roth 401(k) contributions and your employer offers a match, naturally you may be wondering: Does the employer…
Employees
This section is geared towards employees who want to understand how their 401(k) works. Whether you’re new to your company’s retirement savings plan or already contributing, these articles offer clear, practical advice for every stage of your journey.
You’ll learn:
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What a 401(k) is and how it works
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How much to contribute for long-term growth
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What to do if you change jobs
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Common mistakes to avoid and how to fix them
- What to know about vesting, rollovers, and withdrawals
Designed for participants seeking to optimize contributions, navigate plan features, and make informed long-term financial decisions.
Our goal is to help you feel confident about your retirement plan and your future.
What’s the Difference Between a Participant and an Employee?
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An employee is anyone who works for a company, whether or not they’re part of the company’s 401(k) plan.
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A participant is an employee (or former employee) who has enrolled in the 401(k) plan and has a balance or active account.
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Are Roth 401(k) and Pre-Tax 401(k) Contribution Limits Combined?
Your 401(k) may give you two ways to make your contributions: You can choose one or use a combination of…
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Why Is My Employer Fixing My 401(k) Catch-Up Contributions?
Spoiler alert: It probably isn’t because you did anything wrong. Did you recently receive a notice that your 401(k) catch-up…
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Why Personal Finance Is More Like Healthcare Than Social Media
The short answer: There is rarely one “right” answer. Spend a few minutes on social media, and you’ll hear statements…
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Think You Know What Roth Means? Most People Don’t.
What does Roth really mean? Short answer: Roth is a tax treatment. Many people say, “I have a Roth.” But…
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Why Do I Have to Make Roth Catch-Up Contributions in 2026?
The short answer: Congress changed the rules. Starting in 2026, some employees who make catch-up contributions to their 401(k) will…
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Can I Borrow From My 401(k)? What Happens If I Leave My Job?
Thinking About Borrowing From Your 401(k)? Your 401(k) is designed to help you save for retirement. But did you know…
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Do You Get a Tax Form for Your 401(k) in 2026?
This month, one of the most common questions we’re hearing is: “Do I get a tax form for my 401k…
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What Is a 401(k) Plan and How Does It Work?
Let’s be honest. A 401(k) can feel confusing when you first hear about it. There are rules, tax terms, and…
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2026 401(k) Contribution & Catch‑Up Limits
Each year, the IRS updates retirement plan limits to keep pace with inflation. Want the Full 2026 IRS 401(k) Limits?…
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Does a 401(k) Have Open Enrollment?
Answering Common Retirement Plan Questions During Benefits Season Short Answer: No, 401(k) Plans Don’t Have Open Enrollment If you’re in…
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What Fees Are Associated With My 401(k) Account?
Every 401(k) plan comes with costs, and that is completely normal. Some fees are clearly listed, while others are built…
