<?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 15:55:28 GMT</lastBuildDate><atom:link href="https://mcfadvisors.com/retirement-plan-participants/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[How Long Will Your Money Last?]]></title><description><![CDATA[With all the advanced technology, calculators, and strategy tools available, it is still often difficult to understand the difference between what you can save for retirement and what is needed to retire. It is not an exact science, and it comes with many variables at play – investment returns, inflation, unforeseen expenses, all of which can affect the longevity of your savings.  Sometimes, it is helpful to see what your account will likely provide over the course of your retirement. This can also help you set an achievable goal. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-long-will-your-money-last25</link><guid isPermaLink="false">68ff830ec9e781591d8f41eb</guid><category><![CDATA[Investments]]></category><category><![CDATA[Retirement]]></category><pubDate>Tue, 02 Dec 2025 04:51:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/q9Vy-rG3PBE/AdobeStock_272990689-min.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[The Cost of Untimely Retirement Plan Distributions]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-cost-of-untimely-retirement-plan-distributions</link><guid isPermaLink="false">685066ca4404991eb062715c</guid><category><![CDATA[Investments]]></category><pubDate>Thu, 19 Jun 2025 12:28:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/-4X7LkjxI-M/cropped/AdobeStock_1206209678.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Political Impact in Investing]]></title><description><![CDATA[Investors need to be aware of their own biases when selecting their investments. A University of Michigan study shows that Americans tend to have a higher consumer sentiment during seasons where their party is in office, and a lower sentiment when their party is not. It is important to understand how these political bias's might affect a consumer's views on investing.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/political-impact-in-investing</link><guid isPermaLink="false">66d722b2420bb8b0b1313945</guid><category><![CDATA[Investments]]></category><pubDate>Sun, 01 Sep 2024 03:17:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/3kn9y4z1T3D/cropped/AdobeStock_669359709.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[How Much Do You Know About Target Date Funds]]></title><description><![CDATA[The average person is likely unfamiliar with the term “TDF” however it is the most utilized and fastest-growing investment option in an employer-sponsored retirement plan. As a plan participant, it is essential to know what you are investing in. Follow along below to educate yourself about your retirement investments.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-much-do-you-know-about-target-date-funds</link><guid isPermaLink="false">66c4f1fedb95d5aee964eb86</guid><category><![CDATA[Investments]]></category><pubDate>Mon, 19 Aug 2024 04:08:26 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/4_vQUH13R8S/AdobeStock_374462714.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[The Power of Staying Invested]]></title><description><![CDATA[Some investors try to “time” the market, or buy and sell based on their guess about which direction the market will move next. By doing so, these investors 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 days.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-power-of-staying-invested-2024</link><guid isPermaLink="false">66aa8a8d532be093fbba592d</guid><category><![CDATA[Investments]]></category><pubDate>Mon, 29 Jul 2024 02:28:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/aVbxLQNALXN/cropped/AdobeStock_391449580.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Navigating Market Volatility: MCF Participant Education Series]]></title><description><![CDATA[Join Retirement Planning Specialist and Financial Advisor, Hunter Nighbert as he shares insights into Navigating Market Volatility in this edition of MCF's Participant Education Series.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/navigating-market-volatility-mcf-participant-education-series</link><guid isPermaLink="false">65382ada0dea0e55ba731a57</guid><category><![CDATA[Investments]]></category><pubDate>Mon, 23 Oct 2023 03:42:42 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/wo8LmCwAS/Youtube-Thumbnail-Option-small.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[The Power of Staying Invested]]></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. There is a big 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/the-power-of-staying-invested</link><guid isPermaLink="false">64ef8c6a3704ef8a7543a29f</guid><category><![CDATA[Investments]]></category><pubDate>Tue, 29 Aug 2023 05:47:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/nBQFNMhmXy-/Sept-edu-flyer.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[When is Risk Too Much?]]></title><description><![CDATA[Asset allocation and diversification are key components of your portfolio. As you get closer to retirement, it becomes increasingly important to shift a portion of your portfolio to more conservative investments like highly rated bonds and cash.  Read more to discover how you can diversify your assets to make the most of your retirement.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/when-is-risk-too-much</link><guid isPermaLink="false">64c176cd1f15358a9d4ed016</guid><category><![CDATA[Investments]]></category><pubDate>Wed, 26 Jul 2023 05:32:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/OqFquH8EHXo/cropped/AdobeStock_555380891-1.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Weathering a Market Downturn - Near or During Retirement]]></title><description><![CDATA[When you are decades away from retirement, down markets may not feel like a big deal. However, a significant loss preceding or just after retirement is more likely to negatively impact the amount of income you will receive over the course of your retirement. Unlike losses that occur earlier in life, there isn’t the same opportunity to recover. Read more to discover how you can develop a long-term plan that’s built for good times and bad...]]></description><link>https://mcfadvisors.com/retirement-plan-participants/weathering-a-market-downturn-near-or-during-retirement</link><guid isPermaLink="false">649deca5050ff346956dd803</guid><category><![CDATA[Investments]]></category><pubDate>Thu, 29 Jun 2023 12:55:48 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_oYrPGDsnnJ/pexels-huy-phan-1377055.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Hardship Distributions Costs & Penalties]]></title><description><![CDATA[When debating whether you need to take out a Hardship Withdrawal, there are some costs and penalties to consider. Qualified plans are intended for retirement savings; restrictions and penalties generally are imposed to discourage participants from jumping the gun and taking portions of their benefits while they are still employed.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/hardship-distributions-costs-and-penalties</link><guid isPermaLink="false">647df8e10975374573f55399</guid><category><![CDATA[Investments]]></category><pubDate>Mon, 05 Jun 2023 05:32:35 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/1yokQ4AfydJ/AdobeStock_323972729_small.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Regret Aversion: Fighting Financial "FOMO"]]></title><description><![CDATA[Regret aversion is a construct in behavioral finance theory that suggests investing decisions are, at least in part, driven by fear of later regretting a “wrong” choice.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/regret-aversion-fighting-financial-fomo</link><guid isPermaLink="false">63177a68a551e0a1d9af9d01</guid><category><![CDATA[Investments]]></category><pubDate>Tue, 06 Sep 2022 05:07:58 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/wFmTRnnQfR/AdobeStock_59793601.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Investing in Uncertain Markets - Q3 Participant Webinar]]></title><description><![CDATA[Join Hunter Nighbert, Financial Advisor, as he discusses how to approach investing in uncertain markets]]></description><link>https://mcfadvisors.com/retirement-plan-participants/investing-in-uncertain-markets-q3-participant-webinar</link><guid isPermaLink="false">630cfe5ba551e0a1d9f6c6ac</guid><category><![CDATA[Investments]]></category><pubDate>Mon, 29 Aug 2022 06:04:50 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/WZl5lYYPwf/hunter-q3.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[10 Financial Terms Every Investor Should Know]]></title><description><![CDATA[This is an introduction to some of the more common investing terms that you may encounter and a brief definition of each:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/10-financial-terms-every-investor-should-know-2022</link><guid isPermaLink="false">62bdc3f76e0b9f0871f3f389</guid><category><![CDATA[Investments]]></category><pubDate>Thu, 30 Jun 2022 15:47:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/0FmSixB79kd/AdobeStock_165134847-small.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[MCF Education Webinar – Sept. 2021 Navigating Market Volatility]]></title><description><![CDATA[Join Hunter Nighbert, Financial Advisor, as he discusses investing appropriately and maintaining a long-term focus.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/mcf-education-webinar-sept-2021-navigating-market-volatility</link><guid isPermaLink="false">614b3553b5b9e12383e748c7</guid><category><![CDATA[Investments]]></category><pubDate>Tue, 28 Sep 2021 12:54:55 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><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-2021</link><guid isPermaLink="false">612fe526194412662572d68e</guid><category><![CDATA[Investments]]></category><pubDate>Tue, 07 Sep 2021 12:55:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/bOQz0JRXYCI/Small.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></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-2021</link><guid isPermaLink="false">6108072032d43a39a0083c2f</guid><category><![CDATA[Investments]]></category><pubDate>Tue, 03 Aug 2021 12:55:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/3XAp59HN_q4/AdobeStock_282471979.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item><item><title><![CDATA[Weathering a Market Downturn Near Retirement]]></title><description><![CDATA[When you are decades away from retirement, down markets may not feel like too big of a deal. After all, you can keep saving, buy when stocks are cheap, and position yourself for an eventual recovery.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/weathering-a-market-downturn-near-retirement</link><guid isPermaLink="false">60df042fcccf3e1b4cf3adb6</guid><category><![CDATA[Investments]]></category><pubDate>Tue, 06 Jul 2021 12:56:07 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/qXc3J56PrOV/retirment.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/investments" slug="investments" name="Investments"/></item></channel></rss>