Retirement

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Changing Jobs? Here’s What to Do With Your Retirement Savings

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Changing Jobs? Here’s What to Do With Your Retirement Savings

America’s getting back to work after the disruption of the pandemic and today’s job market is HOT! Around our office we have lots of clients changing jobs, so we’re spending our days helping them decide what to do with their retirement savings.

Have you accepted a new job and are wondering what to do with your 401(k)? Maybe you’ve worked at the same company for a long time and have built up the bulk of your retirement savings into this plan. No idea what to do? Whether it’s your first time or fifth time deciding what to do with your 401(k), it can feel overwhelming. But don’t worry--I’m here to help!

When you leave an employer you typically have a short list of options, including the following.

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Planning for Five Life Events: #5 Career Break

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Planning for Five Life Events: #5 Career Break

“Often when you think you’re at the end of something, you’re at the beginning of something else.”

– Fred Rogers

Undoubtedly, retirement is a major life event! But now, some people have more than one ‘retirement’, effectively taking a break from work, then feeling their way into a new career. And many of our clients are taking sabbaticals, designated time off work. All of these take planning and a considerable financial cushion. A healthy dose of over planning will help you breathe easy when you are starting a new chapter of your life.


What’s New in 2019 for Small Business Owners

What’s New in 2019 for Small Business Owners

If you’re a business owner choosing a retirement plan can be challenging. Staying on top of it can be even more of a challenge. If 2018 was a great year for your business then you might be looking to increase your retirement contributions this year. Are you wondering “What is the maximum I can save into my Small Business Retirement plan?” If so, then you’ve come to the right place. Here’s a break down of the new contribution limits of some popular retirement plans for SBOs…

Things to Consider When Going Back to School

Things to Consider When Going Back to School

Now that Labor Day’s passed, summer is officially over and it’s time to head back to school. But it’s not all for the kids sometimes. We’re big on education funding around Merino Wealth so this time of year can be really exciting as we see clients move forward with the goals we’ve been planning for.  One thing I’ve noticed is that many of our clients hitting 10-15 years in the workforce are making moves. It’s like we hit this point where we look back at our hard work and decide we want more.  In some cases, that means going back to school to earn an advanced degree. It could mean changing industries or positions. At times, it includes taking a break from work to travel or spend time with family. In extreme cases, it may involve starting your own financial planning firm in a large metropolitan area.  

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