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5 Facts You Need to Know About Your Retirement Plan

Getting Your Financial Ducks In A Row

Many of us are covered by one or more types of defined contribution retirement plans, such as a 401(k), 403(b), 457, or any of a number of other plans. What many of these plans have in common is that they are referred to as Cash Or Deferred Arrangements (CODA), as designated by the IRS. Don’t Take A Loan.

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Stocks vs. Bonds: Historical Returns, Risk, and the Case for Both

Darrow Wealth Management

The choice between stocks and bonds depends on their individual circumstances, such as risk tolerance, time horizon, and financial goals. While an investor’s timeline affects their risk tolerance and allocation decisions between stocks and bonds, it’s important to remember how long a retirement time horizon can truly be.

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Weekend Reading For Financial Planners (May 31–June 1)

Nerd's Eye View

Also in industry news this week: In the continued absence of formal SEC guidance on advisory firm use of Artificial Intelligence (AI), many firms are taking a curious, but cautious, approach toward adopting AI-powered tools A recent report identifies the growing total wealth controlled by women in the U.S.

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Is Talking to a Financial Planner Worth It? Exploring the Benefits of Financial Planning

Yardley Wealth Management

They help you build and manage diversified portfolios aligned with your risk tolerance and time horizon, potentially preventing costly mistakes that self-directed investors might make. Retirement Planning Retirement planning is one area where talking to a financial planner proves particularly worthwhile.

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Investing for Retirement: Strategies for Long-Term Success

Yardley Wealth Management

Take advantage of tax-advantaged retirement accounts such as 401(k)s, IRAs, and Roth IRAs to maximize your contributions and benefit from tax-deferred or tax-free growth. Learn more about retirement plan options here. Aim to contribute as much as you can afford to these accounts each year to accelerate your retirement savings.

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The Role of Financial Advisors in Managing Healthcare Expenses

WiserAdvisor

When strategically managed, HSAs can serve as a secondary retirement account, specifically earmarked for medical expenses in later life. Advisors assess risk tolerance and time horizons to guide clients in selecting suitable vehicles to grow their Health Savings Account (HSA) balance over time.

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Can You Live Off Dividends In Retirement?

Darrow Wealth Management

Before making any investment decisions, consider all the factors as well as your personal risk tolerance and retirement income needs. As of 1/31/2025, the 10-year annualized total return for the S&P 500 (SPY) was 13.6% versus 1.1% for US bonds (AGG).