May 2025 Newsletter
Early Retirement: Dream or Dilemma?
For many workers, early retirement is the ultimate goal — carefree days filled with road trips, golf, or time spent with friends and family. Yet, reality often tells a different story. Many Americans are retiring years sooner than they expected to, often due to health problems, layoffs, or other unanticipated events. According to the 2024 EBRI Retirement Confidence Survey, the median retirement age in the U.S. is ...
Rising Hardship Withdrawals Putting Retirement at Risk
A growing number of workers are raiding their employer-sponsored retirement plans to cover emergency expenses, highlighting an alarming trend in employee retirement security. According to Vanguard Group, 4.8% of 401(k) participants took hardship withdrawals in 2024, up from 3.6% in 2023 and more than double the pre-pandemic average of 2%.
Hardship withdrawals can carry significant long-term financial consequences, especially since funds ...
Market Turmoil Spurs Trading, but Staying Put Pays Off
The U.S. stock market suffered its worst day in five years on Friday, April 4, following President Donald Trump's announcement of sweeping tariffs. The S&P 500, Nasdaq, and Dow Jones Industrial Average all posted significant losses.
Despite the turbulence, financial experts continue to advise retirement plan investors to ...