Your company’s retirement plan is a smart way to save for a secure financial future.  Below are a few helpful hints to help you reach your goals. 

October 2015 Employee Memo

 

 

With the recent market volatility, it’s understandable for you to be concerned about your investments.  Volatile markets can make you wonder if you’re on track to meet your retirement goals. Don’t be discouraged and most of all, don’t panic. Instead, be proactive! Consider the following steps you should be taking in both up AND down markets:  September 2015 Employee Memo

The effects of Financial Stress on Employee Health and Productivity.  August 2015 Employee Memo

Saving for retirement can be intimidating, but it doesn’t have to be. Finding reasons not to contribute to your retirement plan will hurt you in the future.

Do any of these excuses sound familiar?  July 2015 Employee Memo

 

June’s employee memo is simple overview on investment diversification and asset allocation.

1 |  Different assets play different role

While stocks have significant appreciation and wealth-building potential, bonds can generate steady income. Cash can buffer the effect of market losses, while alternative investments can help improve a portfolio’s diversification potential.  June 2015 Employee Memo

 

May’s employee memo is brief overview on retirement plan loans and a few of the drawbacks on using that feature.

“Although you may have the ability to borrow money from your retirement plan in the form of a loan, please proceed with caution! If you borrow from your retirement account, you may end up causing harm to your financial futures.”    May 2015 Employee Memo

April’s employee memo is brief overview on “When should I Take Social Security benefits?”  There a quite a few factors involved and this handout touches on a few of them.  April 2015 Employee Memo

March’s employee memo is a reminder that some employee may be eligible for a valuable incentive, which could reduce your federal income tax liability, for contributing to your company’s 401(k) or 403(b) plan. If you qualify, you may receive a Tax Saver’s Credit of up to $1,000 ($2,000 for married couples filing jointly) if you made eligible contributions to an employer sponsored retirement savings plan. The deduction is claimed in the form of a non-refundable tax credit, ranging from 10% to 50% of your annual contribution.  March 2015 Employee Memo

Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made on an after-tax basis.   Feb 2015 Employee Memo