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Articles 1 - 8 of 8
Full-Text Articles in Retirement Security Law
Marital History And Retirement Security: An Empirical Analysis Of The Work, Family, And Gender Relationship, Lauren A. Martin Palmer
Marital History And Retirement Security: An Empirical Analysis Of The Work, Family, And Gender Relationship, Lauren A. Martin Palmer
Graduate Doctoral Dissertations
This dissertation investigates the relationship between marital history and individuals’ retirement resources, namely Social Security, employer-sponsored pensions, and non-housing wealth. Prior research provides a foundation for understanding marriage’s positive relationship to retirement security, and suggests that marriage is financially beneficial and can even lessen some external factors that would otherwise damage a family’s financial situation. Yet changing demographics, with fewer people in first marriages and rising numbers of individuals experiencing divorce and choosing to remain unmarried, suggest our understanding of this relationship for today’s retirees may be limited. The purpose of this research is to identify which aspects of complex …
Finding A Financial Planner, Emily G. Brown Jd
Finding A Financial Planner, Emily G. Brown Jd
Pension Action Center Publications
This fact sheet provides information on how to find the right financial planner to help you meet your retirement planning goals. This fact sheet suggests things to consider prior to picking a financial planner and answers questions like:
- What do financial planners do?
- How do you know if you need a financial planner?
- How do you find the right financial planner?
- What type of professional title does a financial planner have?
401(K) Plan Expenses, Anne Becker, Jeffrey Arnold
401(K) Plan Expenses, Anne Becker, Jeffrey Arnold
Pension Action Center Publications
Under a 401(k) plan, your benefit is your vested account balance. This account balance reflects the contributions you make to the plan, the contributions your employer makes to the plan on your behalf (if any), and investment gains and losses.
Many 401(k) plan participants are responsible for choosing how to invest their account balances. If you direct the investment of your 401(k) plan account balance, it is important to understand that fees and expenses may substantially reduce the growth of your 401(k) plan account balance over the course of your working life. The Department of Labor (DOL) estimates that paying …
Your Former Employer’S 401(K) Plan, Jeanne Medeiros Jd
Your Former Employer’S 401(K) Plan, Jeanne Medeiros Jd
Pension Action Center Publications
When you leave a job where you have participated in a 401(k) plan, you may have a number of different options about what to do with the money in that account. This fact sheet explains those options and offers guidance about the pros and cons of each option.
Here are some frequently asked questions answered in this face sheet:
Q. Can I leave my money in my former employer’s plan?
Q. What are my other options?
Q. If I decide to withdraw the account balance from my former employer’s plan, how do I do that, and how long should it …
Protect Your Retirement Income: Documents To Keep And Questions To Ask, Pension Action Center, Gerontology Institute, University Of Massachusetts Boston
Protect Your Retirement Income: Documents To Keep And Questions To Ask, Pension Action Center, Gerontology Institute, University Of Massachusetts Boston
Pension Action Center Publications
No matter what kind of pension or retirement plan your employer offers, you should keep certain documents indefinitely to ensure that you receive the retirement benefits you have earned.
This fact sheet was produced as part of the Pension Action Center’s investor education program, made possible thanks to a grant from the Investor Protection Trust, a nonprofit organization devoted to investor education, and support from the Secretary of the Commonwealth of Massachusetts.
Illinois Secure Choice Savings Program Act (Passed Jan. 4, 2015), Emily G. Brown Jd, Ellen Bruce Jd
Illinois Secure Choice Savings Program Act (Passed Jan. 4, 2015), Emily G. Brown Jd, Ellen Bruce Jd
Pension Action Center Publications
The Illinois Secure Choice Savings Program Act, passed on January 4, 2015, creates an automatic enrollment payroll deduction IRA. The purpose of the program is to promote increased retirement savings participation for employees in the private sector. This fact sheet answers some basic questions about how this new program will affect workers and their employers in Illinois.
Pension Action Center: Protecting Your Retirement, Louise Cataldo, Michele Tolson
Pension Action Center: Protecting Your Retirement, Louise Cataldo, Michele Tolson
Office of Community Partnerships Posters
The Pension Action Center (PAC) is a one-of-a-kind organization serving New England and Illinois that touches the lives of thousands of low- moderate income people, who often have nowhere else to turn when they need help understanding and obtaining their retirement benefits.
Hardship Withdrawals And Loans: Some Words Of Caution, Emily G. Brown Jd, Jeanne Medeiros Jd, Ellen Bruce Jd
Hardship Withdrawals And Loans: Some Words Of Caution, Emily G. Brown Jd, Jeanne Medeiros Jd, Ellen Bruce Jd
Pension Action Center Publications
As defined benefit pension plans become more and more rare, the responsibility of saving for retirement falls increasingly on individuals. Many studies have been published about the average or median balances in retirement savings accounts and virtually all of them have reached the same conclusion - most Americans aren’t saving enough money to last them through their retirement years.
In this fact sheet we will take a look at one of the factors that contributes to this problem, that is, the availability of loans and hardship withdrawals from 401(k) retirement accounts, which can lead to lower account balances overall. Sometimes, …