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In today’s job market – the average worker between the age of 18 and 48 has held eleven jobs. And with all of those jobs, typically comes multiple retirement accounts. So, what’s a person to do with all of those old retirement accounts when they move to a different company? This is probably one of…

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The days of the company pension providing workers with an income stream through the retirement years is quickly fading away.  Today, most workers are responsible for their own retirement savings and this is most commonly done through the company-sponsored retirement plan.  These plans can go by different names and numbers, like 401(k) or 403(b), but…

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We discussed workplace retirement plans in this broadcast.  The following recording is from “Mornings with Kelli and Linda” on Moody Radio Indiana (97.9 FM). You can read the corresponding article here. For more information on Moody Radio, go to moodyradio.org/indiana.   Brad Graber, CFP® has been working with clients on personal financial planning and investment issues…

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Americans have a potential retirement crisis on their hands.  As we discussed in Part I of this article, the move from company-sponsored pension plans to employee contribution plans (e.g. 401(k) and 403(b) plans) transferred the responsibility to save for retirement from the employer to employees.  What is beginning to become evident is that individuals aren’t…

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1978 brought about a change in legislation that forever changed the landscape of American retirement planning. That was the year that saw the creation of the 401(k). Up to that point, retirement plans offered by employers were primarily defined benefit pension plans. As the name would indicate, you earned a defined monthly benefit at retirement…

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