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Wachovia Retirement Services Wins Five Gold Awards from Profit Sharing/401(k) Council of America (PSCA)

CHARLOTTE, N.C., Sept. 24 /PRNewswire-FirstCall/ -- Wachovia Retirement Services has received five Gold Signature Awards from the Profit Sharing/401(k) Council of America. The firm was recognized for the communication and education programs that it produced in the categories of Retirement Readiness, Roth 401(k), Complete Campaign, Increasing Deferrals and Plan Design Changes. "I am very proud of our team for winning these five gold awards, said Joe Ready, Executive Vice President and head of Wachovia Retirement Services. "Americans are under ever-increasing financial pressures, and it's very easy to ignore retirement planning. However, we believe the best antidote to any inertia related to retirement is education. People have to understand what their options are and how they can maximize their retirement savings.

Retirement saving is no gamble

Question: I’m a 50-year-old woman who has yet to set up any retirement fund. I have $5,000 that I can invest now to get started, and I may be able to invest another $1,000 to $2,000 every quarter. But I wonder whether this is just a high-risk gamble considering that I have such a short time until retirement. Besides, I’m not even sure where to put the money if I do start saving - in a 401(k), a Roth IRA, a CD or some other option? - A. Gonzalez

Early retirement? Why it pays to keep working

Ask the Expert Millionaires in the Making Ultimate Guide to Retirement Retirement Calculators Best Funds Ask the Mole Best places to retire

Equifax to Change U.S. Retirement Plan and Offer Enhanced 401(k) Plan

today announced that it is redesigning its retirement program for active U.S. employees effective January 1, 2009. The changes will affect approximately 4,000 of the Company's approximately 7,000 employees. Equifax will freeze its qualified defined benefit pension plan for U.S. employees who do not meet certain grandfathering criteria for retirement eligible employees, and will provide these employees and certain other employees not eligible to participate in the Plan with an enhanced 401(k) savings plan. The pension plan amendments will freeze service credit, but will continue to credit for the participant's salary increases over time. Grandfathered employees will remain in the current pension and 401(k) plans. (Logo:

401(k) Producer Services Transforms Into New Brand Identity: Retirement Plan Advisory Group

ALISO VIEJO, CA -- (Marketwire) -- 09/08/08 -- 401(k) Producer Services, an affiliate of 401(k) Advisors, one of the largest, independent retirement plan consulting firms in America, with $39 billion in collective assets under advisement, announces a comprehensive brand initiative -- the formation of Retirement Plan Advisory Group (RPAG), which will enable added growth in advisor-members' firms with augmented technologies and services for plan sponsors.

401(k) Producer Services Transforms Into New Brand Identity: Retirement Plan Advisory Group

ALISO VIEJO, CA--(MARKET WIRE)--Sep 8, 2008 -- 401(k) Producer Services, an affiliate of 401(k) Advisors, one of the largest, independent retirement plan consulting firms in America, with $39 billion in collective assets under advisement, announces a comprehensive brand initiative -- the formation of Retirement Plan Advisory Group (RPAG), which will enable added growth in advisor-members' firms with augmented technologies and services for plan sponsors.

Answers to common questions about 401(k) programs and saving for retirement

(AP) - Just because something's automatic, doesn't mean you can totally sit back and relax; especially when it comes to your retirement. In recent years more companies are shifting away from traditional pensions and placing the responsibility for retirement planning more squarely on individuals. As part of the move, many employers now offer automatic enrollment in their 401(k) and are changing the types of funds they offer. While these enhancements may be to your benefit, you'll still want to ask the important questions.

Ascensus, LPL Financial and 401(k) Advisors Partner to Deliver a New Retirement Plan Offering with Fiduciary Protection

s largest independent administrator and recordkeeper for plans in the micro to large segments of the market, announced today it has partnered with LPL Financial and 401(k) Advisors to deliver a unique and innovative retirement plan solution: Fiduciary Advisor 401(k). Designed to support financial advisors and their clients, Fiduciary Advisor 401(k) is a comprehensive suite of retirement plan services, featuring a broad investment platform, full-fee disclosure and fiduciary protection.

The Roth 401(k) Estimator (401(k) Plans)

This retirement savings option, which first became available on January 1, 2006, combines features of both a traditional 401(k) plan and a Roth IRA. Like a Roth IRA, contributions are made on a post-tax basis and qualified withdrawals taken during retirement are completely tax free. (With a traditional 401(k), contributions are pretax and withdrawals taken during retirement are taxed as ordinary income.) And like a traditional 401(k), the Roth 401(k) has no income restrictions — if your employer offers it, you're eligible. (For more details, read our story, "Introducing the Roth 401(k).")

Worksheet: The Roth 401(k) Estimator

This relatively new retirement savings option, which first became available on January 1, 2006, combines features of both a traditional 401(k) plan and a Roth IRA. Like a Roth IRA, contributions are made on a post-tax basis and qualified withdrawals taken during retirement are completely tax free. (With a traditional 401(k), contributions are pretax and withdrawals taken during retirement are taxed as ordinary income.) And like a traditional 401(k), the Roth 401(k) has no income restrictions — if your employer offers it, you're eligible. (For more details, read our story, "Introducing the Roth 401(k).")

Vanguard Study Finds Pension Protection Act Boosts Auto Features in 401(k) Plans

More employees were put on the path to retirement security in 2007 by employers adopting automatic savings and investment solutions in their retirement plans, according to How America Saves 2008, a comprehensive report on defined contribution retirement plans released today by Vanguard.

Vanguard Study Finds Pension Protection Act Boosts Auto Features in 401(k) Plans

VALLEY FORGE, Pa.--(BUSINESS WIRE)--More employees were put on the path to retirement security in 2007 by employers adopting automatic savings and investment solutions in their retirement plans, according to How America Saves 2008, a comprehensive report on defined contribution retirement plans released today by Vanguard.

Vanguard Study Finds Pension Protection Act Boosts Auto Features in 401(k) Plans

VALLEY FORGE, Pa. (Business Wire) -- More employees were put on the path to retirement security in 2007 by employers adopting automatic savings and investment solutions in their retirement plans, according to How America Saves 2008, a comprehensive report on defined contribution retirement plans released today by Vanguard.

401(k) Debit Cards Now Being Offered

The SEC advises that a number of companies are beginning to offer a 401(k) debit card to employees who invest in 401(k) retirement programs. This card allows the employee to borrow up to $50,000 or 50 percent of the value of the retirement plan, whichever is less, through use of a debit card. However, unlike a debit card that deducts money from a bank account, this 401(k) withdrawal is a loan from the retirement account and users must repay it along with fees and interest or incur substantial penalties. More information may be found at www.finra.org/investorinformation.

Investors: Allocate Assets & Balance Portfolios at SmartMoney.com (401(k) Rollover Center)

OUR ASSET ALLOCATION SYSTEM is designed to help you see how different asset mixes may be appropriate for investors in different circumstances. Use the sliders to enter the required information, and the One Asset Allocation system will provide a target allocation. As an investor approaches retirement or becomes more bearish about the stock market, for example, the system will add bonds and cash to the asset mix. If you use this worksheet to allocate only your retirement accounts, and you have more than 10 years to retirement, remember to set both spending scales to zero.

Retirement Living: Workers ramp up 401(k) contributions, but average balance falls

SAN FRANCISCO (MarketWatch) -- Despite tough economic times, retirement savers ramped up their plan contributions this year, according to a new study by Fidelity Investments of the 401(k) plans it administers, covering 11.5 million participants.

Retirement investing through the ages

Whether you're just out of college or midway through your career, it's time to figure out where you are on the retirement roadmap. If you're young, you have some distinct advantages, but if you're late getting started, take heart. It's never too late to start saving. Bankrate's roadmap helps you figure out your savings rate, based on how much you're earning and how much you've accumulated so far.

Shifting 401(k) near retirement eases fears

Jitters about retirement savings have mushroomed as the Wall Street crisis has grown ever more ominous. During the first week of the meltdown last month, $411 million in 401(k) money was moved into fixed-income funds, including stable value, bonds and money market funds, according to Hewitt Associates.

Is retirement different for women?

Some strides have been made toward gender equality since women won the right to vote in 1920. But men and women aren't exactly equal when it comes to retirement.

Bumpy retirement ahead

For decades you worked hard, earned a competitive salary, lived within your means and faithfully socked money away in your 401(k). Yet here you are in your fifties or sixties, and suddenly your retirement dream has turned into a nightmare.

Remember retirement when prepaying loan

I am 31 and want to pay off my house as soon as I can because I don't like owing people money. I have $195,000 left on my mortgage at 6.125 percent. Would it be wise to pay off my house? (My goal is to do it within six years.) Or, should I start saving for retirement?

Are you on track with your retirement?

Saving for retirement is one of the most challenging goals facing Americans. Many people don't know the first thing about investing, yet they're thrust into the position of money manager.

Parsons announces retirement

Keith Parsons, the Somerset batsman, has announced his retirement from first-class cricket. Parsons, 35, has been at Taunton since 1992 but has not represented the team this season.

Moving Beyond Cookie-cutter Retirement Messages: Help Employees Turn Their 401(k) Into An Individual Pension PlanLoading...

Moving Beyond Cookie-cutter Retirement Messages: Help Employees Turn Their 401(k) Into An Individual Pension Plan

Paul Adams announces retirement

Paul Adams, who burst onto the international scene after only five first-class matches for Western Province in 1995-96, has announced his retirement from professional cricket.

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