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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.

Estate Management Part I


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Seeing Social Security Clearly

To be eligible for benefits, individuals must have earned 40 calendar quarters of wages that were subject to Social Security tax. The amount of the benefits you would receive at full retirement age (FRA) is based on the average of the 35 highest years of earnings.

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Retirement Plan Basics

1. What it is? Your employer’s retirement plan is a defined contribution plan designed to help you finance your retirement. Federal and sometimes state taxes on your contributions and investment earnings are deferred until you receive a distribution from the plan (typically at retirement).

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Health Savings Accounts

A Health Savings Account (HSA), is a savings account used in conjunction with a high-deductible health insurance policy that allows users to save money tax-free against medical expenses.

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Budgeting For Retirement

There are all kinds of “rule of thumb” numbers floating around for how much income you’ll need in retirement, but they are just that — guidelines, not hard and fast rules that will necessarily apply to your particular situation. Budgeting for your retirement is a bit of a guessing game however clarifying your goals and expectations will make it easier.

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Estate Planning Basics

It's important to work with an attorney and possibly a tax advisor / planner on your estate plan. The attorney's role will include guiding you through the creation of fundamental estate planning documents.

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