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Participant Insights

Portfolio rebalancing, how to budget your money, what’s an HSA and who needs one? Preparing for retirement is hard. From personal finance basics to retirement planning and everything in between, we’ve got a few ideas to make life a little simpler. Contact MCF with any questions.

Financial Wellness


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The Cost of Untimely Retirement Plan Distributions

When you are faced with needing cash quickly, or if have an unexpected expense, you may be tempted to take an early withdrawal or borrow funds from your employer-sponsored 401(k) plan account (if your plan allows it). Be aware that the convenience of taking untimely distributions (loans, early withdrawals, hardship distributions, etc.) could come with significant consequences on your short and long-term goals.

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Four Basic Steps for a Successful Retirement

We understand that most retirement savers aren’t financial experts, and that can make preparing for retirement feel overwhelming. The good news is that achieving a successful retirement doesn’t have to be complicated. By following a few basic steps, you could set yourself up for long-term financial security.

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Career Extenders

There are 4 different Career Extender Profiles, differences in motivations for continuing to work are at the crux of what makes these segments unique. With those for whom it’s “Part of the Plan,” their most important reason for working is that they want more money for retirement (vs. need it).

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Generation Z in Retirement

It’s clear that Generation Z is entering a very different landscape compared to prior generations. Born roughly between 1997 and 2012, Generation Z is just starting their careers and already thinking about retirement—often with a sense of uncertainty. While it’s encouraging to see interest in long-term financial health, several challenges stand in their way.

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The Ultimate Guide to Tax Savings

As tax laws evolve and personal financial situations change, it's essential to stay informed about strategies that can help minimize your tax burden. Here are several tips to consider.

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