Learn about retirement plan loans, including the definition, plan types that allow loans, reasons, and pros & cons. Discover alternatives to plan loans.

Some retirement plans such as SIMPLE 401(k)s, SEP IRAs, and safe harbor 401(k)s offer immediate vesting. An example of vesting It's typical to see an employer match 3% to 6% of an employee's salary.

Definition of Non-Qualified Retirement Plans. Non-qualified retirement plans refer to employer-sponsored retirement plans that do not meet the specific requirements and regulations set forth by ...

Tens of millions of Americans are unable to save for retirement through their jobs. "That's not a gap — it's a crisis," one ...

Learn what defines a qualified retirement plan and what sets it apart from non ... ensure that employees are 100% vested by the time they reach normal retirement age under the plan's definition.

A retirement financial advisor will provide another set of eyes on your retirement plans. This can give you a sense of security that may be lacking if you manage your retirement plan alone.

Learn how a defined benefit plan works, how it differs from other retirement plans, and why you might want to use one for your retirement savings. S&P 500 +---% | ...

That’s the takeaway from the latest retirement savings report from Fidelity, a leading plan manager. In the first three months of 2025, the total 401(k) savings rate on Fidelity plans reached 14.3%.

A 58-year-old client came to financial planner Michael Kitces’ office seeking a plan that would allow him to retire at age 65 with $1 million. The client headed home “retired” that very day. “He had ...

However, if you are a single person covered by a retirement plan at work, your IRA contributions begin to lose deductibility once you reach $73,000 in adjusted gross income, with a total phaseout ...

Hardship Distributions. A hardship distribution is a pre-retirement withdrawal from your 401(k) plan, 403(b) plan, or 457(b) plan due to an immediate and heavy financial need.

If you're looking to save for retirement, you might be wondering whether an IRA is right for you. Learn about types of IRAs and their tax advantages and other benefits.