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Category: Retirement Planning

New York Secure Choice: What Employers Need to Know

Posted on January 16, 2026January 19, 2026 by Loriann Facenda
New York Secure Choice: What Employers Need to Know
Posted in Retirement Planning

Three Steps for Business Owners to Prepare for 2026 401(k) Catch-Up Contributions Rule Change

Posted on December 1, 2025December 5, 2025 by Michelle Lowrey
Three Steps for Business Owners to Prepare for 2026 401(k) Catch-Up Contributions Rule Change
Posted in Retirement Planning

Missing 401(k) Contributions: Risks and Responsibilities for Employers and Employees

Posted on October 24, 2025October 24, 2025 by Michelle Lowrey
Missing 401(k) Contributions: Risks and Responsibilities for Employers and Employees
Posted in Retirement Planning

Don’t Leave Money Behind: Your Guide to Managing Retirement and Health Accounts After Job Changes

Posted on August 14, 2025August 14, 2025 by Loriann Facenda
Don’t Leave Money Behind: Your Guide to Managing Retirement and Health Accounts After Job Changes
Posted in Financial Planning, Retirement Planning

How Automatic 401(k) Features Are Solving Small Business Retirement Plan Challenges

Posted on June 11, 2025June 11, 2025 by Michelle Lowrey
How Automatic 401(k) Features Are Solving Small Business Retirement Plan Challenges
Posted in Retirement Planning

Where’s the Money? Funding A Successful Retirement

Posted on June 9, 2025September 19, 2025 by Michelle Lowrey
Where’s the Money? Funding A Successful Retirement
Posted in Retirement Planning

Your Workplace 401(k): Your Easiest and Most Powerful Tool for Building Wealth

Posted on June 5, 2025June 5, 2025 by Michelle Lowrey
Your Workplace 401(k): Your Easiest and Most Powerful Tool for Building Wealth
Posted in Retirement Planning

Common Mistakes and Misunderstandings in Employer-Sponsored Retirement Plans

Posted on April 14, 2025April 14, 2025 by Michelle Lowrey
Common Mistakes and Misunderstandings in Employer-Sponsored Retirement Plans
Posted in Retirement PlanningTagged Employer-Sponsored Retirement Plans, mistakes

The Department of Labor’s Retirement Savings Lost and Found Database

Posted on March 28, 2025April 3, 2025 by Michelle Lowrey
The Department of Labor’s Retirement Savings Lost and Found Database
Posted in Financial Planning, Retirement Planning

The Benefits of Qualified Charitable Distributions (QCDs) From Your IRA

Posted on January 27, 2025January 28, 2025 by Michelle Lowrey
The Benefits of Qualified Charitable Distributions (QCDs) From Your IRA

Posted in Retirement PlanningTagged IRA, HBKS, Qualified Charitable Distributions

Navigating Inflation and Retirement Planning

Posted on December 10, 2024December 20, 2024 by Loriann Facenda
Navigating Inflation and Retirement Planning
Posted in Retirement Planning

Navigating New Jersey’s New Retirement Plan Mandate: What You Need to Know

Posted on November 14, 2024December 17, 2024 by Michelle Lowrey
Navigating New Jersey’s New Retirement Plan Mandate: What You Need to Know

Posted in Business Owners, Retirement Planning

Retirement Strategies High Earners Can’t Afford to Ignore

Posted on September 27, 2024October 16, 2024 by Michelle Lowrey
Retirement Strategies High Earners Can’t Afford to Ignore
Posted in Retirement Planning

Make A Will: Ensure Your Assets Are Distributed As You Wish

Posted on September 11, 2024October 16, 2024 by Michelle Lowrey
Make A Will: Ensure Your Assets Are Distributed As You Wish
Posted in Retirement Planning

Retirement Planning for Divorced Couples

Posted on September 9, 2024October 16, 2024 by Loriann Facenda
Retirement Planning for Divorced Couples

New York State Rules Seek Equitable Distribution of Pension Benefits

Posted in Retirement Planning

Balancing Retirement Spending: Enjoy Now or Save for Later

Posted on August 27, 2024October 16, 2024 by Michelle Lowrey
Balancing Retirement Spending: Enjoy Now or Save for Later
Posted in Retirement Planning

Match Your “Wealth Span” to Your “Health Span”

Posted on July 22, 2024October 16, 2024 by Michelle Lowrey
Match Your “Wealth Span” to Your “Health Span”
Posted in Retirement Planning

Empowering Strategies for Effective Retirement Planning for Women

Posted on July 1, 2024October 16, 2024 by Michelle Lowrey
Empowering Strategies for Effective Retirement Planning for Women
Posted in Retirement Planning

Startup Retirement Plan Tax Credits: A Substantial Benefit You Might Not Know About

Posted on June 25, 2024October 16, 2024 by Michelle Lowrey
Startup Retirement Plan Tax Credits: A Substantial Benefit You Might Not Know About
Posted in Retirement Planning

Leftover 529 Funds: A Retirement Savings Option

Posted on April 30, 2024August 5, 2024 by Michelle Lowrey
Leftover 529 Funds: A Retirement Savings Option
Posted in Retirement Planning

State Sponsored Long-Term Care Plans and Taxes: New York’s Proposal

Posted on April 8, 2024June 28, 2024 by Michelle Lowrey
State Sponsored Long-Term Care Plans and Taxes: New York’s Proposal
Posted in Retirement Planning

Building Tomorrow’s Wealth Today: A Guide to the 401Kids Savings Act

Posted on February 27, 2024June 28, 2024 by Michelle Lowrey
Building Tomorrow’s Wealth Today: A Guide to the 401Kids Savings Act
Posted in Financial Planning, Retirement Planning

Disability Insurance: Why as a Resident You Should Consider It Now

Posted on February 23, 2024June 28, 2024 by Michelle Lowrey
Disability Insurance: Why as a Resident You Should Consider It Now
Posted in Financial Planning, Retirement Planning

10 Essential Financial Considerations for Retirees

Posted on February 12, 2024February 19, 2024 by Loriann Facenda
10 Essential Financial Considerations for Retirees
Posted in Financial Planning, Retirement Planning

Financial Considerations at the Beginning of a New Year

Posted on January 29, 2024January 29, 2024 by Michelle Lowrey
Financial Considerations at the Beginning of a New Year
Posted in Retirement PlanningTagged HBKS, Financial considersations, new year

Required Minimum Distributions: When Your Retirement Savings Start Paying Off

Posted on January 11, 2024August 12, 2024 by Loriann Facenda
Required Minimum Distributions: When Your Retirement Savings Start Paying Off
Posted in Retirement PlanningTagged Retirement, RMD, Required Minimum Distribution

IRMAA Rates Rising in 2024 with Medicare Premiums

Posted on December 28, 2023January 2, 2024 by Loriann Facenda
IRMAA Rates Rising in 2024 with Medicare Premiums
Posted in Retirement PlanningTagged Retirement, social security, Medicare, taxes, IRMAA, AGI

Planning for Retirement: What Income Replacement Rate Will I Need?

Posted on December 19, 2023December 19, 2023 by Loriann Facenda
Planning for Retirement: What Income Replacement Rate Will I Need?
Posted in Retirement PlanningTagged Retirement, Income Replacement

Consider Qualified Charitable Distributions for Your Charitable Giving

Posted on September 22, 2023March 21, 2024 by Michelle Lowrey
Consider Qualified Charitable Distributions for Your Charitable Giving
Posted in Retirement Planning

Securing Your Retirement: The Power of Guaranteed Income

Posted on July 13, 2023December 5, 2023 by Michelle Lowrey
Securing Your Retirement: The Power of Guaranteed Income
Posted in Retirement PlanningTagged IRA, individual retirement account, securing your retirement, Retirement

Leaving to Start Your Own Business? Don’t Leave Your Retirement Plan Behind.

Posted on June 29, 2023December 5, 2023 by Michelle Lowrey
Leaving to Start Your Own Business? Don’t Leave Your Retirement Plan Behind.
Posted in Retirement PlanningTagged Retirement, HBKS, changing jobs

Understanding the Impact of the SECURE Act on IRA and Retirement Plan Inheritance Rules

Posted on April 20, 2023July 6, 2023 by Michelle Lowrey
Understanding the Impact of the SECURE Act on IRA and Retirement Plan Inheritance Rules
Posted in Retirement PlanningTagged HBKS, IRA, SECURE Act

Aging Solo: Take These Steps to Ensure Your Wishes Are Met

Posted on April 4, 2023March 28, 2023 by Michelle Lowrey
Aging Solo: Take These Steps to Ensure Your Wishes Are Met
Posted in Retirement PlanningTagged retirement planning, trusts, will, Power of Attorney, healthcare surrogate

Roth IRAs: The Five-Year Rule

Posted on February 27, 2023February 27, 2023 by Michelle Lowrey
Roth IRAs: The Five-Year Rule
Posted in Retirement PlanningTagged Retirement, IRA, Roth IRA, HBKS

Is Your Social Security Payment Accurate?

Posted on February 23, 2023March 9, 2023 by Loriann Facenda
Is Your Social Security Payment Accurate?
Posted in Retirement PlanningTagged social security

The Secure Act 2.0: Improving Retirement Savings Options

Posted on February 11, 2023March 1, 2023 by Michelle Lowrey
The Secure Act 2.0: Improving Retirement Savings Options
Posted in Retirement PlanningTagged contribution limit, Secure Act 2.0, Retirement savings, RMD, 529 plan

Common Factors Affecting Retirement Income

Posted on February 10, 2023February 21, 2023 by Michelle Lowrey
Common Factors Affecting Retirement Income
Posted in Retirement PlanningTagged taxes, risk, factors, retirement income, investment risk, inflation risk, long-term care expenses, catastrophic care, retirement planning

10 Years and Counting: Points to Consider as You Approach Retirement

Posted on December 1, 2022February 22, 2023 by Michelle Lowrey
10 Years and Counting: Points to Consider as You Approach Retirement
Posted in Retirement PlanningTagged Retirement, savings, living expenses, income sources, pay off debt, manage taxes

CCRCs and Roth Conversions Go Hand-in-Hand

Posted on November 22, 2022November 22, 2022 by Michelle Lowrey
CCRCs and Roth Conversions Go Hand-in-Hand
Posted in Financial Planning, Retirement PlanningTagged CCRC, roth conversions, Retirement

The Individual 401(k)

Posted on August 18, 2022August 18, 2022 by Michelle Lowrey
The Individual 401(k)
Posted in Retirement PlanningTagged Retirement, retirement planning, 401k

Working For Yourself? Take Advantage of a Retirement Savings Plan for the Self-Employed.

Posted on May 31, 2022May 31, 2022 by Michelle Lowrey
Working For Yourself? Take Advantage of a Retirement Savings Plan for the Self-Employed.
Posted in Retirement PlanningTagged Solo 401k, SEP, simplified employee pension

Discussing End-of-Life Issues: A Family Imperative

Posted on January 27, 2022February 16, 2022 by Michelle Lowrey
Discussing End-of-Life Issues: A Family Imperative
Posted in Retirement PlanningTagged Financial Planning, advisor, family, planning process, end of life issues, facilitator

“After-Tax Fund” Conversions: Act Fast Before the Opportunity Vanishes

Posted on November 24, 2021January 19, 2022 by Michelle Lowrey
“After-Tax Fund” Conversions: Act Fast Before the Opportunity Vanishes
Posted in Retirement PlanningTagged Retirement, IRA, Roth IRA, after-tax fund, converisons

IRS Announces Increased 401(k) Contribution Limits for 2022

Posted on November 16, 2021November 16, 2021 by Michelle Lowrey
IRS Announces Increased 401(k) Contribution Limits for 2022
Posted in Retirement PlanningTagged IRS, contribution limit, 2022, 401k

Look to Dividend-Paying Stocks for Income in Retirement

Posted on November 10, 2021November 10, 2021 by Michelle Lowrey
Look to Dividend-Paying Stocks for Income in Retirement
Posted in Retirement PlanningTagged Stocks, Income, dividend-paying, Retirement

Consider Investing Your Excess Retirement Funds Like Your Heirs Would

Posted on September 23, 2021September 23, 2021 by Loriann Facenda
Consider Investing Your Excess Retirement Funds Like Your Heirs Would
Posted in Estate Planning, Financial Planning, Retirement PlanningTagged Financial Planning, Estate Planning, Retirement, SECURE Act, legacy

Retirement: Proceed with Caution Before Relying on General Rules

Posted on September 16, 2021September 19, 2021 by Loriann Facenda
Retirement: Proceed with Caution Before Relying on General Rules
Posted in Retirement PlanningTagged advice, guidance, Retirement, retirement planning

Use Your Stimulus Check to Open a Roth IRA

Posted on May 12, 2021May 21, 2021 by Loriann Facenda
Use Your Stimulus Check to Open a Roth IRA
Posted in Retirement PlanningTagged Retirement, retirement planning, Investing, IRA, Roth, Roth IRA, stimulus check

Pension Maximization: A Pension Payout Option Strategy

Posted on April 2, 2021April 30, 2021 by Michelle Lowrey
Pension Maximization: A Pension Payout Option Strategy
Posted in Retirement PlanningTagged Retirement, Pension Maximization, payout, defined benefit pension plan

IRA Contribution Deadline Extended

Posted on March 30, 2021March 30, 2021 by Loriann Facenda
IRA Contribution Deadline Extended
Posted in Retirement PlanningTagged IRA, IRS, HSA, retirement plans, Retirement, retirement planning

Is Long-Term Care Insurance a Necessity or Luxury?

Posted on March 16, 2021April 12, 2021 by Loriann Facenda
Is Long-Term Care Insurance a Necessity or Luxury?
Posted in Insurance, Retirement PlanningTagged LTC, Insurance, social security, long-term care insurance, nursing home

Top 10 Opportunities for Retirement Plan Sponsors in 2021

Posted on February 22, 2021February 22, 2021 by Loriann Facenda
Top 10 Opportunities for Retirement Plan Sponsors in 2021
Posted in Retirement PlanningTagged Retirement, webinar, retirement plans

Converting a Traditional IRA to a Roth IRA at a Young Age: What Should Jack Do?

Posted on February 10, 2021February 10, 2021 by Michelle Lowrey
Converting a Traditional IRA to a Roth IRA at a Young Age: What Should Jack Do?
Posted in Retirement PlanningTagged IRA, Roth IRA

Don’t Roll Over on Your Rollover

Posted on February 2, 2021May 21, 2021 by Michelle Lowrey
Don’t Roll Over on Your Rollover
Posted in Retirement PlanningTagged retirement planning, rollover, FINRA, Retirement

Tax-Free Retirement Strategies for High Earners

Posted on January 7, 2021March 22, 2024 by Loriann Facenda
Tax-Free Retirement Strategies for High Earners

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Posted in Retirement PlanningTagged IRA, retirement planning, 401k

Making Sense of Roth IRAs: The Yes, No, Maybe Retirement Account

Posted on January 5, 2021January 13, 2021 by Loriann Facenda
Making Sense of Roth IRAs: The Yes, No, Maybe Retirement Account
Posted in Retirement PlanningTagged IRA, Tax Planning, Roth

Invest for Your Future: What Is an IRA?

Posted on December 16, 2020January 13, 2021 by Michelle Lowrey
Invest for Your Future: What Is an IRA?
Posted in Financial Planning, Retirement PlanningTagged Retirement, IRA, IRS, contribution, investment

Can I convert my traditional IRA to a Roth IRA?

Posted on December 9, 2020January 13, 2021 by Michelle Lowrey
Can I convert my traditional IRA to a Roth IRA?
Posted in Retirement Planning, Financial PlanningTagged IRA, Roth IRA, Retirement

Choosing a Beneficiary for Your IRA or 401(k)

Posted on November 10, 2020December 3, 2020 by Michelle Lowrey
Choosing a Beneficiary for Your IRA or 401(k)
Posted in Financial Planning, Retirement PlanningTagged IRA, Roth IRA, tax, beneficiary, Retirement, 401k

Retirement Planning: It’s Not SIMPLE

Posted on October 12, 2020December 3, 2020 by Loriann Facenda
Retirement Planning: It’s Not SIMPLE
Posted in Retirement PlanningTagged Retirement, 401k, SIMPLE IRA

Want to Retire Comfortably? Get Rid of Your Debt.

Posted on August 13, 2020September 10, 2020 by Loriann Facenda
Want to Retire Comfortably? Get Rid of Your Debt.
Posted in Retirement PlanningTagged interest rate, refinance, Retirement, Debt, credit card

To Skip or Not to Skip Your 2020 RMDs

Posted on July 8, 2020May 19, 2021 by Loriann Facenda
To Skip or Not to Skip Your 2020 RMDs
Posted in Retirement PlanningTagged TCJA, RMD, AGI, required minimum distributions, Retirement, 401k, IRA

Evaluating an Early Retirement Offer

Posted on June 17, 2020August 11, 2020 by Loriann Facenda
Evaluating an Early Retirement Offer
Posted in Retirement PlanningTagged retirement package, severance package, salary, Retirement, health insurance, early retirement

Watch: CARES Act Retirement Plan Provisions and Relief

Posted on April 8, 2020August 11, 2020 by Loriann Facenda
Watch: CARES Act Retirement Plan Provisions and Relief
Posted in Retirement PlanningTagged #Covid19, retirement plan sponors, retirement plan services

FAQs for Plan Sponsors Suffering from Coronavirus Related Business Disruptions

Posted on March 31, 2020November 5, 2020 by Loriann Facenda
FAQs for Plan Sponsors Suffering from Coronavirus Related Business Disruptions
Posted in Retirement PlanningTagged retirement planning, retirement plan sponsors, COVID-19, #Covid19

Retirement Plan Provisions of the CARES Act

Posted on March 31, 2020August 11, 2020 by Loriann Facenda
Retirement Plan Provisions of the CARES Act
Posted in Retirement PlanningTagged COVID-19, #Covid19, CARES Act, Retirement Plan Provisions

Reducing or Eliminating Safe Harbor 401(k) Contributions

Posted on March 31, 2020August 11, 2020 by Loriann Facenda
Reducing or Eliminating Safe Harbor 401(k) Contributions
Posted in Retirement PlanningTagged retirement plan sponsors, COVID-19, #Covid19, safe harbor 401k

COVID-19 Is Not Our Only Sinister Foe

Posted on March 24, 2020August 11, 2020 by Loriann Facenda
COVID-19 Is Not Our Only Sinister Foe
Posted in Perspectives, Retirement PlanningTagged Retirement, COVID-19, #Covid19, dow jones

Backdoor Roth IRA: A Savings Strategy for Higher Earners

Posted on January 16, 2020October 26, 2020 by Loriann Facenda
Backdoor Roth IRA: A Savings Strategy for Higher Earners
Posted in Retirement PlanningTagged Backdoor Roth, Backdoor Roth IRA, IRA, IRS, Roth IRA, back door roth

Breaking News: SECURE Act

Posted on December 21, 2019December 21, 2019 by Loriann Facenda
Breaking News: SECURE Act
Posted in Financial Planning, Retirement PlanningTagged IRA, SECURE Act, Retirement, 401k

Listen Up Generation Xers and Millennials: You’ll Need to Work Longer, Save More and Spend Less to Retire Well

Posted on November 12, 2019October 30, 2020 by Loriann Facenda
Listen Up Generation Xers and Millennials: You’ll Need to Work Longer, Save More and Spend Less to Retire Well
Posted in Retirement PlanningTagged Financial Planning, Retirement, millinials, Generation X, Gen Xer

Pension Myths: Common Misconceptions About Pension Plans

Posted on November 7, 2019November 19, 2019 by Loriann Facenda
Pension Myths: Common Misconceptions About Pension Plans
Posted in Retirement PlanningTagged pension plans, defined benefit plans, pension, Retirement

Modern Retirement: Potential Areas of Trouble

Posted on October 22, 2019November 19, 2019 by Loriann Facenda
Modern Retirement: Potential Areas of Trouble
Posted in Insurance, Retirement PlanningTagged Retirement, stock market, Healthcare, HSA, Income Tax, Inflation, Long-term care

Annuities and Retirement Planning

Posted on September 4, 2019November 2, 2020 by Loriann Facenda
Annuities and Retirement Planning
Posted in Retirement PlanningTagged Retirement, annuities, annuity

When You’re 65: Things to Consider When You’re Heading into Your Retirement

Posted on August 30, 2019October 30, 2020 by Loriann Facenda
When You’re 65: Things to Consider When You’re Heading into Your Retirement
Posted in Retirement PlanningTagged Retirement, social security, Medicare

Your Retirement, Your Children’s Education: Let’s Do the Math

Posted on August 15, 2019March 7, 2022 by Loriann Facenda
Your Retirement, Your Children’s Education: Let’s Do the Math
Posted in Financial Planning, Retirement PlanningTagged College Education Funding, College Education Planning, college planning

Widowed? Divorced? Social Security Benefits Await You

Posted on August 5, 2019August 8, 2019 by Loriann Facenda
Widowed? Divorced? Social Security Benefits Await You
Posted in Financial Planning, Retirement PlanningTagged Widower, Divorcee, Social Security Benefits, SSA, divorce, social security, Widow

Saving for Retirement and a Child’s Education at the Same Time

Posted on July 25, 2019July 25, 2019 by Loriann Facenda
Saving for Retirement and a Child’s Education at the Same Time
Posted in Financial Planning, Retirement PlanningTagged College Education Funding, 529, Retirement

Retiring Early? A Healthcare Subsidy Could Help

Posted on July 16, 2019July 16, 2019 by Loriann Facenda
Retiring Early? A Healthcare Subsidy Could Help
Posted in Retirement PlanningTagged Retirement, 401k, Healthcare

Congress Intends to Modernize Retirement Plan Rules

Posted on May 28, 2019 by Loriann Facenda
Congress Intends to Modernize Retirement Plan Rules
Posted in Retirement PlanningTagged 401k, ERISA, retirement plan sponsors

Retirement Help for Age-Gap Couples You Might Not Know About

Posted on May 21, 2019 by Loriann Facenda
Retirement Help for Age-Gap Couples You Might Not Know About
Posted in Financial Planning, Retirement PlanningTagged Financial Planning, Retirement, IRA, Age Gap Couples

The Roths: 401(k) vs. Roth IRA. Which is better?

Posted on April 1, 2019 by Loriann Facenda
The Roths: 401(k) vs. Roth IRA. Which is better?
Posted in Retirement PlanningTagged Roth IRA, Retirement, 401k, IRA, Roth

Thoughts on the Vanguard Market Call

Posted on February 27, 2019 by Loriann Facenda
Thoughts on the Vanguard Market Call
Posted in Market Commentary, Retirement PlanningTagged stock market, Vanguard

New Year’s Resolutions for Retirement Plan Fiduciaries

Posted on January 25, 2019January 25, 2019 by Loriann Facenda
New Year’s Resolutions for Retirement Plan Fiduciaries
Posted in Retirement PlanningTagged 401k, Fiduciary, qualified retirement plan, ERISA

The Rules for Hardship 401(k) Withdrawals Have Changed

Posted on January 18, 2019October 26, 2020 by Loriann Facenda
The Rules for Hardship 401(k) Withdrawals Have Changed
Posted in Retirement PlanningTagged 401k, hardship

Getting Started: A Little Saving Now Will Pay Off Big Later

Posted on November 26, 2018November 30, 2018 by Loriann Facenda
Getting Started: A Little Saving Now Will Pay Off Big Later
Posted in Retirement PlanningTagged young professionals, savings, budgeting

IRS increases IRA limits for 2019

Posted on November 2, 2018November 27, 2018 by Loriann Facenda
IRS increases IRA limits for 2019
Posted in Financial Planning, Retirement PlanningTagged IRA, IRS, Retirement, 401k

Inheriting Retirement Accounts: The Other IRAs

Posted on October 31, 2018November 27, 2018 by Loriann Facenda
Inheriting Retirement Accounts: The Other IRAs
Posted in Estate Planning, Retirement PlanningTagged Estate Planning, IRAs

Tax Deferred Retirement Savings

Posted on September 1, 2018October 2, 2018 by Loriann Facenda
Tax Deferred Retirement Savings
Posted in Retirement PlanningTagged Retirement, 401k, Business Owners, SEP IRA, Solo 401k

Pay Down or Save Up?

Posted on August 9, 2018October 2, 2018 by Loriann Facenda
Pay Down or Save Up?
Posted in Financial Planning, Retirement PlanningTagged 401k, Retirement savings, Debt

Saving for Retirement or College: Pick One

Posted on July 5, 2018October 2, 2018 by Loriann Facenda
Saving for Retirement or College: Pick One
Posted in Retirement Planning, Financial PlanningTagged Personal Retirement Planning, college planning

Approaching Your “Retirement Cliff”?

Posted on June 22, 2017October 2, 2018 by Loriann Facenda
Approaching Your “Retirement Cliff”?
Posted in Retirement PlanningTagged Personal Retirement Planning

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