<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:media="http://search.yahoo.com/mrss/" xmlns:post="http://www.twentyoverten.com"><channel><title><![CDATA[MCF]]></title><description><![CDATA[MCF]]></description><link>https://mcfadvisors.com</link><generator>RSS for Node</generator><lastBuildDate>Fri, 31 Jul 2026 16:04:42 GMT</lastBuildDate><atom:link href="https://mcfadvisors.com/retirement-plan-participants/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Understanding Market Volatility]]></title><description><![CDATA[Some investors try to “time” the market, or buy and sell based on their guess about what the market will do next. By doing so, they often miss out on the best days. The graph below shows the difference between investors who stayed in the market during volatile periods with those who only briefly left, but missed some of the market’s best upswings.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/understanding-market-volatility</link><guid isPermaLink="false">5d813c8e32a7f85aa644f6ac</guid><category><![CDATA[Planning]]></category><category><![CDATA[Investment Basics]]></category><pubDate>Tue, 17 Sep 2019 08:23:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/AH9HZDl1wVN/AdobeStock_126125638.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/></item><item><title><![CDATA[What's an HSA?]]></title><description><![CDATA[Health savings accounts (HSAs) have grown tremendously in popularity over the past few years. You’ve probably heard of them or maybe your employer offers one. This memo will uncover answers to common questions you may have about HSAs.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/whats-an-hsa</link><guid isPermaLink="false">5d81306d985aa14c76beed99</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 19 Aug 2019 08:18:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/8ZsDZvicbOI/health-savings.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Rebalancing Your Portfolio]]></title><description><![CDATA[As a participant in your company’s retirement plan, you are already serious about saving for your future. Whether you are retiring in a few weeks or a few decades, you may need to protect your investment. A healthy way to do this is to rebalance your portfolio.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/rebalancing-your-portfolio</link><guid isPermaLink="false">5d88d4c06e474113371dc4e3</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 06 Aug 2019 08:19:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/MCO-foKIVmZ/AdobeStock_89206560.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Millennials - The Time to Start Saving is Now!]]></title><description><![CDATA[Typically, younger people don’t make retirement savings a priority. Living expenses, student debt, rent or house payments, and other day-to-day expenses mean that retirement savings take a back seat. In fact, a survey from January 2016 says that 40 percent of millennials don’t have a retirement plan in place, and 57 percent haven’t started saving.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/millennials-the-time-to-start-saving-is-now</link><guid isPermaLink="false">5d812fb1985aa14c76beeb7d</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 17 Jun 2019 08:24:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/WR-hps-Vy6U/Know-it-all.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Rolling Into Your New Employer's Plan vs. An IRA]]></title><description><![CDATA[Do you have retirement plan assets with a former employer’s plan that you’re not sure what to do with? Review the pros and cons of consolidating into your current employer’s retirement plan versus an individual retirement account (IRA).]]></description><link>https://mcfadvisors.com/retirement-plan-participants/rolling-into-your-new-employers-plan-vs-an-ira</link><guid isPermaLink="false">5d812ea6985aa14c76beeb77</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 13 May 2019 08:24:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/6KSb-V1KRfd/Dog.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[What is a Roth? Is It Right For Me?]]></title><description><![CDATA[Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made on an after-tax basis.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/what-is-a-roth-is-it-right-for-me</link><guid isPermaLink="false">5d88d7c66e474113371dc5e6</guid><category><![CDATA[Investment Basics]]></category><pubDate>Tue, 07 May 2019 08:16:43 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/FsDcR3dAO5v/AdobeStock_229832660.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/></item><item><title><![CDATA[Retirement Plan Notice: Get the “CREDIT” you deserve!]]></title><description><![CDATA[You may be eligible for a valuable incentive, which could reduce your federal income tax liability, for contributing to your company’s 401(k) or 403(b) plan. If you qualify, you may receive a Tax Saver’s Credit of up to $1,000 ($2,000 for married couples filing jointly) if you made eligible contributions to an employer sponsored retirement savings plan. The deduction is claimed in the form of a non-refundable tax credit, ranging from 10% to 50% of your annual contribution.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-notice-get-the-credit-you-deserve</link><guid isPermaLink="false">5d8121e7f544664c66d8d2cd</guid><category><![CDATA[Planning]]></category><category><![CDATA[Investment Basics]]></category><pubDate>Mon, 15 Apr 2019 08:15:25 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/IFkMGq6Xpxw/AdobeStock_132222351.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/></item><item><title><![CDATA[Take Advantage of Tax-Deferred Investing ]]></title><description><![CDATA[Contributing to your Plan is a great way to take advantage of tax-deferred investing. Contributions to your Plan and all future earnings on those contributions are tax-deferred until money is withdrawn. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/take-advantage-of-tax-deferred-investing</link><guid isPermaLink="false">5d88d6e26e474113371dc4f0</guid><category><![CDATA[Investment Basics]]></category><pubDate>Tue, 02 Apr 2019 08:14:58 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/yx1nxCuL2oA/AdobeStock_132222351.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/></item><item><title><![CDATA[Are You Saving Enough? ]]></title><description><![CDATA[Personal savings and investments outside of a retirement plan, such as IRAs, are only part of the overall retirement income picture. That is where your retirement plan comes into play. To ensure a secure financial future, you should strive to defer the maximum amount to your Company Retirement Plan. If you are unable to do this today, increase your deferrals in small amounts every six months, or with every pay increase. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/are-you-saving-enough</link><guid isPermaLink="false">5d88db836e474113371dc659</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 05 Mar 2019 09:13:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_k-avkpiu4I/AdobeStock_270386792.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Plan Basics ]]></title><description><![CDATA[Ten things to know about your employer’s retirement plan. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-basics</link><guid isPermaLink="false">5d88da545479f1064ec992cf</guid><category><![CDATA[Investment Basics]]></category><pubDate>Tue, 05 Feb 2019 09:12:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/eQQm7RE7oOn/AdobeStock_221321950.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/></item><item><title><![CDATA[The 12% Savings Goal]]></title><description><![CDATA[Most people need to save more — often a lot more — to build a nest egg that can meet their needs. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement. There’s a relatively painless way to reach that goal. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-savings-goal</link><guid isPermaLink="false">5d88d8df5479f1064ec992c7</guid><category><![CDATA[Investment Basics]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 08 Jan 2019 09:10:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/aa8QSpFCc9y/AdobeStock_84471005.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investment-basics" slug="investment-basics" name="Investment Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item></channel></rss>