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401 (k) Plans


  • 401(k) In-Plan Roth Conversions

    You may have heard the buzz … 401(k) plans can now permit in-plan Roth conversions. But is this an option for you?

  • Borrowing or withdrawing money from your 401(k) plan

    If you have a 401(k) plan at work and need some cash, you might be tempted to borrow or withdraw money from it. But keep in mind that the purpose of a 401(k) is to save for retirement. 

  • Deciding what to do with your 401(k) plan when you change jobs

    When you change jobs, you have to decide what to do with the money in your 401(k) plan. Generally, you have several options. You can withdraw your funds in a lump sum, leave them where they are, or roll over the funds directly or indirectly to your new employer's retirement plan or to an IRA. Carefully weigh the tax consequences of each option and how your retirement savings will be affected before making a decision.

  • New 401(k) Plan Disclosure Rules

    You may have heard about new disclosure rules that will soon apply to 401(k) plans. Before describing what's ahead, however, a look back may be helpful. [While we'll refer to 401(k) plans in this article, the new rules also apply to other employer-sponsored plans that allow participants to direct their own investments, commonly referred to as "self-directed plans."]

  • The Economics of Borrowing from Your 401(k)
  • Understanding 401(k) Plan Fees and Expenses