Are You 50 or Older and Making Big Retirement Contributions?
Here’s How New Roth Rules Affect You in 2026 If you’re 50 or older, catch-up contributions are one of the…
Plan Participants
Articles for plan participants who want to better understand their retirement plan options and make informed decisions about their financial future.
Whether you’re just getting started with your 401(k), exploring your investment choices, or learning about cash balance and non-qualified plans, you’ll find clear, easy-to-follow guidance here.
You’ll discover:
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How to enroll, contribute, and manage your retirement account
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How employer contributions and vesting work
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Tips for increasing your savings over time
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What to do when changing jobs or retiring
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Key differences between 401(k), cash balance, and non-qualified plans
These resources are designed to help you make confident, informed decisions—whether you’re early in your career, mid-way through, or planning for retirement.
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Do I Have to Take an RMD from My 401(k)?
If you’re getting closer to retirement (or already there) you’ve likely heard the term Required Minimum Distribution (RMD). But do…
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How to Transfer Your Old 401(k) into Your New One
Changing jobs is a big step — but what about the 401k or 403b you left behind? If you had…
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Can You Still Contribute to a SIMPLE IRA From a Previous Job?
Here’s What You Need to Know We often hear this question:“I have a SIMPLE IRA [from a previous employer], and…
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What Happens If I Don’t Pay My 401(k) Loan?
Taking a loan from your 401(k) can seem like an easy solution. You’re borrowing from yourself, after all. But what…
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Why Don’t I Have Two 401(k) Accounts for Roth and Pre-Tax?
“I see Roth 3% and pre-tax 3% on my paycheck. Why don’t I have two accounts?”If you’ve asked this question—or…
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Does My 401(k) Loan Affect My Credit?
If you’ve taken (or are thinking about taking) a loan from your 401(k), you might wonder how it impacts your…
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What Is the Super Catch-Up Contribution?
A Retirement Savings Boost for Ages 60–63 If you’re between the ages of 60 and 63, a special savings opportunity…
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Understanding Vesting in Your 401(k): What You Should Ask Your Employer
Navigating the world of 401(k) retirement plans can feel overwhelming, but understanding a few key concepts can help you maximize…
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Do I Need a 1099 From My 401(k)?
Tax season comes with plenty of questions, and one of the most frequently asked is: “Do I need a 1099…
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Why Am I Receiving Excess Contributions From My 401(k)?
Did you get a notice saying some of your 401(k) money is being sent back for “excess contributions”? Getting a…
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What’s the difference between active and passive mutual funds?
Active and passive mutual funds represent two different investment strategies, each with its own approach to portfolio management and associated…
