<?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 15:09:02 GMT</lastBuildDate><atom:link href="https://mcfadvisors.com/retirement-plan-participants/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[The Importance of Staying Invested Through Volatility]]></title><description><![CDATA[Market volatility often feels like an emotional rollercoaster. When portfolios take a sharp dip, our natural instinct may be to retreat; pulling out of the market to preserve capital and then wait on the sidelines for signs of stability before reinvesting. History has shown that this instinctive move can negatively impact your portfolio's potential for long-term growth in a significant way. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-importance-of-staying-invested-through-volatility</link><guid isPermaLink="false">6a46a405f8f2868ef621fb1b</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Jul 2026 07:12:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/9uSmtbhVkGj6/image_83a0a554-1.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Benefits of Joining a Retirement Plan]]></title><description><![CDATA[Your employer may offer a range of benefits including, health insurance, dental coverage, paid time off…but your retirement plan may be the most powerful one of all. It’s designed to help you build the financial security you’ll need long after your working years are behind you.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/benefits-of-joining-a-retirement-plan</link><guid isPermaLink="false">6a46a09bf8f2868ef621f14f</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Jul 2026 07:12:03 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/b5ghTgvNRAZ7/ChatGPT-Image-Jun-30-2026-04_52_43-PM.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Retirement Plan Portability]]></title><description><![CDATA[Your retirement savings are meant to support your future—not get left behind when you change jobs. Learn how retirement plan portability works, the benefits of rolling over your savings, and common mistakes to avoid along the way.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-portability</link><guid isPermaLink="false">6a46a7bdf8f2868ef62200c4</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Jul 2026 05:20:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/LtCL3zJydo3F/ChatGPT-Image-Jun-30-2026-04_49_41-PM.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[AI Used Widely (Though Not Always Wisely) For Retirement Planning]]></title><description><![CDATA[AI is now a copilot for everyday tasks, helping people with emails, meal planning, workout routines, and more. It's also impacting how participants approach retirement planning.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/ai-used-widely-though-not-always-wisely-for-retirement-planning</link><guid isPermaLink="false">6a46b15bd5b70f34e9c9a4aa</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Jul 2026 04:53:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YbzRilbSS6Pz/cropped/AI-Article-Photo.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Knowledge Gap Drives Retirement Plan Nonparticipation]]></title><description><![CDATA[Automatic enrollment has increased retirement plan participation, but many employees still opt out because they don't fully understand how their plan works or believe they can't afford to save. While features like those introduced under SECURE 2.0 help improve retirement readiness, education and personalized support remain essential. Clear communication from plan sponsors and guidance from advisors can help employees feel more confident about taking the first step toward saving for retirement.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/knowledge-gap-drives-retirement-plan-nonparticipation</link><guid isPermaLink="false">6a46bdcef8f2868ef6222bb0</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Jul 2026 04:53:32 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/GxeE_KnDcHiJ/cropped/Knowledge-Gap-Drives-Nonparticipation.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Retirement Expectations vs. Reality: What Workers May be Getting Wrong]]></title><description><![CDATA[The 2026 Employee Benefit Research Institute (EBRI) and Greenwald Research Retirement Confidence Survey (RCS) finds a widening gap between what workers expect retirement to look like and what retirees actually experience, particularly around retirement timing and working for pay. For plan sponsors and advisors, the findings offer a timely reminder of why proactive and realistic education matters.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-expectations-vs-reality-what-workers-may-be-getting-wrong</link><guid isPermaLink="false">6a457131d7081e26524f6f64</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Jul 2026 04:53:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Ck6jOggHx6MF/cropped/Retirement-Expectations-vs-realotu.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[401(k) Check-ins Can Help You Stay on Track ]]></title><description><![CDATA[In many ways, saving through your employer-sponsored retirement plan has never been more convenient. Automatic enrollment, auto-escalating contributions, and target date funds can make saving feel almost effortless by quietly adjusting your contributions and investments over time.   

While automatic features remain powerful allies in your savings strategy, you may also want to ensure your overall approach to retirement savings reflects any significant life events, like marriage, kids, job and income changes, and shifting financial priorities. Below are some ideas to consider for keeping your savings strategy aligned with your goals as life changes happen.   ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/401k-check-ins-can-help-you-stay-on-track</link><guid isPermaLink="false">69d7d465a193391e99b0f903</guid><pubDate>Tue, 21 Apr 2026 12:38:32 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/0BsZB_8TOF2I/Screenshot-2026-04-09-124451.png"/></item><item><title><![CDATA[The Advantages and Disadvantages of AI in Personal Finance]]></title><description><![CDATA[As the use of Artificial Intelligence becomes more prevalent in our digital age, it is important to consider and evaluate the benefits and risks of relying on AI when it comes to making personal financial decisions. AI can be a great tool when it comes to efficiency, education, and automation, but it is important to remember that AI cannot replace the critical thinking and experience that a human provides to managing personal finances. The table below highlights a few of the ways AI can be a beneficial tool in our personal financial lives, along with the risks to consider when relying on its use. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-advantages-and-disadvantages-of-ai-in-personal-finance</link><guid isPermaLink="false">69c83d0100c30f036b1ac045</guid><category><![CDATA[Wealth Management]]></category><pubDate>Tue, 07 Apr 2026 06:39:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/TXF7RT_WrV9C/A-Futuristic-Handshake_-Human-and-AI-Robot_CvqAU.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/wealth-management" slug="wealth-management" name="Wealth Management"/></item><item><title><![CDATA[Sticky Saving Goals to Suit Your Personality ]]></title><description><![CDATA[The start of a new year is a natural time to set fresh financial resolutions, but unfortunately most don’t last past February. One reason may be that our money goals often don’t align with the way we naturally think or how we stay motivated once the initial enthusiasm fades. 

 A study of more than 2,400 individuals published by American Psychologist found that people tend to save more successfully when their savings goals fit their personality — specifically their “Big Five” personality traits. Here’s how higher levels of these traits may influence everyday saving behavior…  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/sticky-saving-goals-to-suit-your-personality</link><guid isPermaLink="false">69b0e72827e733ad47d59047</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Sat, 07 Mar 2026 02:00:22 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/sR-Qeuba8eVW/Screenshot-2026-03-10-234601.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[How to Fit Your Student Loan Payments Back in Your Budget ]]></title><description><![CDATA[After a multi-year pause during the pandemic, federal student loan payments resumed in October 2023. For many borrowers, this meant reintroducing a significant monthly expense. Even a few years later, those payments may still be putting pressure on your budget. Here are some practical steps you can take to regain control.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-to-fit-your-student-loan-payments-back-in-your-budget2026</link><guid isPermaLink="false">699dc70dea2e71a3d6b7ae08</guid><category><![CDATA[Savings]]></category><pubDate>Sat, 28 Feb 2026 02:00:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/8JHPIsxcqg7c/try-this.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[You Can Now Save More in Your 401(k). See Why That Matters]]></title><description><![CDATA[Most people don’t look forward to annual IRS announcements the same way they do the next season of their favorite Netflix show, but this one’s worth a look. Higher retirement plan contribution limits have been announced for 2026, and even a modest bump in your savings rate can make a big difference down the road.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/you-can-now-save-more-in-your-401k-see-why-that-matters</link><guid isPermaLink="false">698a3c39bff94fe7c61c65e0</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 16 Feb 2026 06:14:34 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/r-v7tLYvYlmd/Screenshot-2026-02-09-151226.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The Retirement Summit: Reaching the Top with Small Increases]]></title><description><![CDATA[Saving for retirement doesn’t have to mean big sacrifices today. In fact, the real magic comes from small, steady increases over time. Think of it like climbing a mountain, you don’t leap to the summit; you take one step at a time. By gradually raising your contribution rate, you give compound growth more fuel to work with, and your retirement savings can grow significantly faster than if you stayed at the same level. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-retirement-summit-reaching-the-top-with-small-increases</link><guid isPermaLink="false">6977bf3a51c496acfc535190</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 03 Feb 2026 03:57:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/9iS8E7IyR0mD/mountain-climber-reaching-summit-challenging-peak-representing-strength_216520-58276.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Six Retirement Plan Benefits You Might Not Know About]]></title><description><![CDATA[When you think of the benefits of your retirement plan, tax-deferred savings and matching contributions are probably top of mind. But there’s more to your workplace retirement plan than meets the eye. Beyond the basics, retirement plans can come with a number of lesser-known advantages that can help you protect, grow, and pass on your savings more efficiently. Here are six perks you might not even realize you have.   ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/six-retirement-plan-benefits-you-might-not-know-about</link><guid isPermaLink="false">696558593e67de256bd49dbf</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 12 Jan 2026 08:13:34 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/GlfxtRkHvqC/hand-Screenshot-2026-01-12-155520.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Creating a Savings Budget that works for you?]]></title><description><![CDATA[Setting and maintaining a personal budget has never been more important. With inflation driving up the cost of housing, groceries, and everyday essentials, many households are finding it harder to maintain the lifestyle they once had. A realistic budget helps you stay in control and plan for both today and the future. When creating a realistic budget, try to stick to the 50/30/20 Rule. 50% of total monthly income to be spent on essential expenses, 30% allocated to discretionary expenses, and 20% dedicated to savings.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/creating-a-savings-budget-that-works-for-you</link><guid isPermaLink="false">6944ea0abbee3ce737baeaf6</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 06 Jan 2026 07:04:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Q2j512X1T6S/bcfp_budgeting-strategies_dollars-cents_1140x76original.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Staying Financially Grounded This Season]]></title><description><![CDATA[As the year winds down, it’s easy for spending to ramp up. From travel and celebrations to those endless online deals that pop up in your feed. But even small splurges can add up fast. According to a recent survey by Achieve and Talker Research, 65% of Americans say they are stressed about their holiday spending, and 73% say that financial stress detracts from their enjoyment of the season.  

If you’re hoping to enjoy the season and keep your finances on track, here are three simple ways to find balance:  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/staying-financially-grounded-this-season</link><guid isPermaLink="false">69177d41040cdb3a9fee4a29</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 16 Dec 2025 03:57:35 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/iIXYVoySaCV/Screenshot-2025-11-14-141228.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><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[Road to Retirement]]></title><description><![CDATA[Before You Take a Retirement Plan Loan Know the Facts 

Your retirement plan may allow you to borrow from your account—but before you do, it’s important to understand how it can impact your future savings. Think of it like a U-turn on your savings highway. It could cost you more time and money than you expect. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/road-to-retirement</link><guid isPermaLink="false">69011fbb2f1a4d783f2abb79</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 18 Nov 2025 06:00:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/rQkh1yRtZIG/road-to-retirement.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Talking Money With Your Aging Parents]]></title><description><![CDATA[There’s a good chance you will have to get involved with your parents’ finances as they age. One in four adults say their parents rely on them for financial support.1 Your parents might need help managing their money or could rely on you for financial support if their retirement savings fall short. Regardless of the situation, being prepared for these conversations is crucial to avoiding potential challenges. The tips below can help you gain peace of mind and help ensure you’re equipped to assist with their financial matters if necessary.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/talking-money-with-aging-parents</link><guid isPermaLink="false">68f2582497d09d8b5d7e5933</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 04 Nov 2025 08:45:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/bvh7CQBGLV1/Screenshot-2025-10-17-104818.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Retirement May Be Your Next Adventure]]></title><description><![CDATA[Retirement could often be seen as the “end of the road,” but that idea may not fit everyone. Your retirement could be a new chapter rather than a closing one.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-may-be-your-next-adventure</link><guid isPermaLink="false">68ed57dc57f6f836e9b99980</guid><category><![CDATA[Retirement]]></category><pubDate>Thu, 09 Oct 2025 01:15:15 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/9RZ_hg0UR9L/110538_50034.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[In-Transition Checklist for Divorcees and Widows]]></title><description><![CDATA[Ending a marriage or losing a partner can be a complicated and emotional time.  If you are going through a separation from your spouse or grieving the loss of your loved one, you can take steps to take control and help protect your future.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/in-transition-checklist-for-divorcees-and-widows</link><guid isPermaLink="false">68d6f0fec38a009d78e13eb1</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Fri, 26 Sep 2025 12:40:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/GYISK3J6xa0/90.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[3 Ways to Retire with Confidence]]></title><description><![CDATA[Frequently, the news about retirement can sound discouraging. Traditional pensions are less common for most workers, many people are not saving as much as they may need, and questions continue to be raised about the long-term outlook for Social Security. However, the picture may not be as bleak as it is sometimes portrayed. Here are three practical steps that individuals can take to help strengthen their retirement readiness:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/3-ways-to-retire-with-confidence</link><guid isPermaLink="false">68b99f0d235efebf12ef3680</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 15 Sep 2025 20:12:45 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/S_V5Ih2_-U2/cropped/harbours-edge-winter-weather-1.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[6 Steps to Regain Control Over Financial Stress]]></title><description><![CDATA[6 Effective Ways to Manage Financial Stress 

Feeling overwhelmed by finances? You’re not alone. Financial stress can impact your emotional well-being, physical health, and relationships. Here are six practical strategies to help you manage financial stress and regain peace of mind. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/6-steps-to-regain-control-over-financial-stress</link><guid isPermaLink="false">68acb99d194d58c2826ac21b</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 25 Aug 2025 07:37:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/bGy0FaEsNst/cropped/apr23-wi-financial-stress-1024x577.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Don't Leave Your Retirement Behind]]></title><description><![CDATA[Starting a brand new job is exciting and full of a lot of new benefits, but don’t forget about the retirement plan you left behind. There are many different ways to handle an old retirement account, and here are your four options:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/dont-leave-your-retirement-behind</link><guid isPermaLink="false">68920e27521a492095cc7de5</guid><category><![CDATA[Retirement]]></category><pubDate>Sun, 03 Aug 2025 02:30:46 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/2cV4q08H_E0/cropped/07_JULY_2025_Retirement_Times4-960x673-1.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[When is Risk Too Much?]]></title><description><![CDATA[Knowing when risk is too much is crucial to maintaining a healthy investment strategy. Asset allocation helps strike the right balance between growth and stability, ensuring your portfolio aligns with your goals and tolerance for risk. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/when-is-risk-too-much-2025</link><guid isPermaLink="false">6887c4833b91931efd0bedd6</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Mon, 28 Jul 2025 06:56:26 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/UsGkah99fZ5/cropped/financial-risk-managementjpg.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Saving in Your 20s, 30s, 40s, and  Up...What Changes? ]]></title><description><![CDATA[No matter how old you are, it’s never too early (or late) to save money for retirement. Each decade comes with different goals, investment types, and risk factors, but understanding the differences can help you be prepared for when your retirement comes around. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/saving-in-your-20s-30s-40s-and-up</link><guid isPermaLink="false">686d4b614a01b854ca3b19db</guid><category><![CDATA[Savings]]></category><pubDate>Sun, 06 Jul 2025 02:30:45 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/skjoHElWItC/cropped/kenny-eliason-maJDOJSmMoo-unsplash.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></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[Four Basic Steps for a Successful Retirement]]></title><description><![CDATA[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. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/four-basic-steps-for-retirement</link><guid isPermaLink="false">684870283e02c7934f02da2f</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 17 Jun 2025 01:54:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/gNn3iWbdOZq/cropped/AdobeStock_588660617-small.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Career Extenders]]></title><description><![CDATA[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).]]></description><link>https://mcfadvisors.com/retirement-plan-participants/career-extendersprofiles</link><guid isPermaLink="false">683eee9a157125ffd580c8cd</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 02 Jun 2025 02:38:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/bP_NZj_2D-1/cropped/istockphoto-1401199822-612x612.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Generation Z in Retirement]]></title><description><![CDATA[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. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/generation-z-in-retirement</link><guid isPermaLink="false">681523b49698d65532b4544b</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Fri, 02 May 2025 01:44:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/0ulIki4gwKR/cropped/AdobeStock_322070053-small.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[The Ultimate Guide to Tax Savings]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-ultimate-guide-to-tax-savings</link><guid isPermaLink="false">67fd28397031f5649d459254</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 10 Apr 2025 07:31:45 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/WlcLt4KH0nx/cropped/AdobeStock_428958176-small.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[Four Elements of Financial Wellness]]></title><description><![CDATA[Ready to tackle your Financial Wellness Plan? Let’s explore ways to improve your financial wellness! Financial Wellness is the overall financial health of an individual. In general, how well do you think Americans manage their finances? Consider these facts: Only 28% of Americans think they are “completely financially secure”1. Out of those not yet retired, only 31% believe they are “on-track” with their retirement goals1. How can you avoid being a part of these statistics? Here are some goals you can focus on.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/elements-of-financial-wellness</link><guid isPermaLink="false">67ead261e928533d3f1b88ec</guid><pubDate>Sun, 30 Mar 2025 03:23:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/yJmEylWPSuj/cropped/AdobeStock_1285365498.jpeg"/></item><item><title><![CDATA[Maximize Your Employer Match in 2025]]></title><description><![CDATA[Leveraging your employer’s retirement plan match is one of the easiest ways to boost your financial wellness. With over 50% of employers offering some level of matching, it’s an opportunity you don’t want to miss. Here’s how to make the most of it.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/maximize-your-employer-match-in-2025</link><guid isPermaLink="false">67d455fd0de939f2d79b53bc</guid><pubDate>Fri, 14 Mar 2025 01:29:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/wj34l-_esle/cropped/AdobeStock_1236408535-small.jpg"/></item><item><title><![CDATA[Teaching Your Children Smart Saving Habits]]></title><description><![CDATA[To a child, being told to save money without understanding the purpose can seem meaningless. Teaching the value of saving can be challenging since it involves learning to delay gratification. That’s why education is essential. Use everyday opportunities to talk about money and engage your child in those conversations. Saving helps us learn to set priorities and achieve goals. Work with your child to identify saving goals and celebrate their wins when they have them! ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/teaching-your-children-smart-saving-habits</link><guid isPermaLink="false">67c76fbbdafb84356a13ad1f</guid><pubDate>Tue, 04 Mar 2025 10:06:13 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/kqXyIU9rBw-/cropped/AdobeStock_386105133-small.jpg"/></item><item><title><![CDATA[The Importance of Naming a Beneficiary]]></title><description><![CDATA[Do you know what will happen to your retirement savings if you were to pass away? Here are some things you should know about naming beneficiaries that could save your loved ones’ time, money and frustration.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-importance-of-naming-a-beneficiary-2025</link><guid isPermaLink="false">67b352d83ca4a3ace0c705f5</guid><category><![CDATA[Plan Basics]]></category><pubDate>Sun, 16 Feb 2025 03:25:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YAl26Gc6Ehu/cropped/AdobeStock_138169498.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[The “Clicking” Concept: Americans Struggle to Save for Retirement]]></title><description><![CDATA[Many Americans are finding it increasingly difficult to save for their futures. This challenge is often encapsulated by the term “clicking,” a concept that represents the ongoing process of managing daily expenses in a way that stretches a paycheck as far as possible. After covering essential costs—such as groceries, mortgage payments, childcare, and unexpected bills—there can be little left for savings. Click.… Click.… Click!]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-clicking-concept</link><guid isPermaLink="false">67a22465c4d9a404d7552992</guid><category><![CDATA[Savings]]></category><pubDate>Sat, 01 Feb 2025 08:47:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/zr_I1_gkE3m/cropped/AdobeStock_427619551.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Your Guide to A Financially Healthy New Year]]></title><description><![CDATA[Reexamining your finances at the start of the year may not seem as exciting as making a commitment to healthier habits or fitness objectives, but financial wellness is closely related to both mental and physical health. You might be surprised at how simple it is to take charge of your finances. Here are six actions will assist you in reaching financial success in 2025 and beyond.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/your-guide-to-a-financially-healthy-new-year</link><guid isPermaLink="false">678e790bb025a0245e853c1a</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Thu, 16 Jan 2025 07:06:43 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/bmclg_2ESxM/cropped/AdobeStock_91443113.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Five Ways to Eliminate Credit Card Debt]]></title><description><![CDATA[According to the Federal Reserve and U.S. Census Bureau, the average credit card debt balance is $8674. Also, in 2024 the total credit card debt in America became the highest ever recorded at an estimated $1.14 trillion dollars. This for many people and families becomes a hinderance to progressing financially.  However, with a strategic approach and consistent discipline, it’s possible to reduce or eliminate this debt.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/five-ways-to-eliminate-credit-card-debt</link><guid isPermaLink="false">677d82831aa563087688e255</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 07 Jan 2025 07:51:13 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/PWbYXa0YqnS/cropped/AdobeStock_128465654.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Winter Word Search]]></title><link>https://mcfadvisors.com/retirement-plan-participants/winter-word-search</link><guid isPermaLink="false">6761abfa6c38f69724bd2ed7</guid><pubDate>Tue, 17 Dec 2024 05:29:07 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/spMn6F2fhXL/cropped/AdobeStock_497385295.jpeg"/></item><item><title><![CDATA[Safeguarding Your Family's Future]]></title><description><![CDATA[For many people, creating an estate plan is a task that routinely gets pushed to the bottom of the to-do list. Some assume that estate plans are only for the wealthy and others may simply want to avoid thinking about some of the tough topics estate planning entails. Yet, most everyone should have an estate plan. Here is how to start creating an estate plan in six easy steps.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/safeguarding-your-familys-future</link><guid isPermaLink="false">674f50260dfdeebbe4b05fff</guid><category><![CDATA[Wealth Management]]></category><pubDate>Tue, 03 Dec 2024 07:18:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/zw0jLh9fod5/cropped/AdobeStock_228548583.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/wealth-management" slug="wealth-management" name="Wealth Management"/></item><item><title><![CDATA[Harvesting Financial Lessons]]></title><description><![CDATA[Thanksgiving offers more than just family gatherings and meals—it encourages reflection on finances with gratitude. The holiday can inspire better financial habits, such as managing holiday expenses wisely and practicing mindful spending. Here are a handful of tips that can alleviate any financial burdens you may face during the upcoming holiday season.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/harvesting-financial-lessons</link><guid isPermaLink="false">673cdd483846780fa9bc8e87</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 19 Nov 2024 06:56:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/KcIK3Lvi5Ta/cropped/AdobeStock_95072047.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Gen X in Retirement]]></title><description><![CDATA[When it comes to retirement planning, GEN X lives up to its reputation; one where the middle child – sandwiched between the Baby Boomers and the Millennials – feels indifferent to it.  Despite feelings of indifference, GEN X feels secure in themselves, even rating their mental health as “excellent”. According to Principal Financial’s June 2022 Retirement Security Survey, that’s ten percentage points higher than other generations. With that said, GEN X still needs support planning for the future.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/gen-x-in-retirement</link><guid isPermaLink="false">672a5f97e2e56d9613643125</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 05 Nov 2024 06:26:01 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/lR0NGjchJRJ/cropped/AdobeStock_559711863.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Retirement Plan Crossword]]></title><description><![CDATA[Let’s see how well you know some common questions and terms about a typical retirement plan!]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-crossword</link><guid isPermaLink="false">670e72cbce3ccb3ca113df9a</guid><category><![CDATA[Plan Basics]]></category><pubDate>Sun, 13 Oct 2024 03:27:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_jQlOY5d6PH/cropped/AdobeStock_967688502.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Medicare]]></title><description><![CDATA[Medicare is a United States government health insurance program that covers people age 65 or older, patients with end-stage renal disease, and people younger than 65 with disabilities. It is important to understand how Medicare works, who qualifies for Medicare, and the four different types of Medicare available to individuals.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/medicare</link><guid isPermaLink="false">66fc3cf87ea9be5c24540712</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 01 Oct 2024 06:45:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/wINcDTXuztW/cropped/AdobeStock_636944559.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Employer Matching – How to Make the Most of Your Plan]]></title><description><![CDATA[Many defined contribution plans include something called employer matching, meaning that your employer contributes a certain amount to your retirement savings plan based on your personal contribution. Employers use various match formulas to determine their contribution, but we have highlighted three common scenarios that show the importance of knowing the facets of your retirement plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/employer-matching-how-to-make-the-most-of-your-plan</link><guid isPermaLink="false">66e9bb5a2be8ed4d40cc9014</guid><category><![CDATA[Plan Basics]]></category><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 17 Sep 2024 03:00:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/S4qCvT3jnj6/cropped/AdobeStock_707346862.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></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[How Much Do You Know About Your Retirement Plan Quiz?]]></title><description><![CDATA[Many people often find that they know far less about their retirement plan than they thought. Test yourself with the quiz below and see how much you know about your financial future.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-much-do-you-know-about-your-retirement-plan-quiz</link><guid isPermaLink="false">669fca7c7b3ce2e1e8a93731</guid><category><![CDATA[Plan Basics]]></category><pubDate>Fri, 19 Jul 2024 05:42:46 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/FOQx6jIE9UW/cropped/AdobeStock_169320426.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Income Replacement in Retirement ]]></title><description><![CDATA[A retirement income replacement rate is the percentage of your income that you will need to have saved to maintain your current lifestyle in retirement. Here are five factors that determine your income replacement rate. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/income-replacement-in-retirement</link><guid isPermaLink="false">6682dcc6704c3790b270533c</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 01 Jul 2024 05:14:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/OPxAlOmfnGC/AdobeStock_327674630.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Estimating Your Financial Needs for Retirement]]></title><description><![CDATA[Financial planners who conduct retirement consulting have been pointing out that you can find yourself in trouble when you reach retirement if you’re saving without a goal. Many people have been saving for retirement without taking the time to figure out how much they’ll need when they eventually retire. How do you know if you’re saving enough if you don’t know how much you’ll need in the future?]]></description><link>https://mcfadvisors.com/retirement-plan-participants/estimating-your-financial-needs-for-retirement</link><guid isPermaLink="false">666c6ce860050881571092f8</guid><category><![CDATA[Retirement]]></category><pubDate>Fri, 14 Jun 2024 06:04:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/-oRpg3WsvKF/cropped/AdobeStock_326865808.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Women's Financial Health: Five Powerful Financial Moves]]></title><description><![CDATA[A gender gap in financial health has existed for a long time, with only one in five women feeling financially healthy versus 29% of men, it’s time the wave of change continues to help more women feel economically empowered. Here are several moves you can make to support your financial health and be better prepared for your future.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/womens-financial-health</link><guid isPermaLink="false">6668ac12aac94df8d6b929e8</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Sat, 08 Jun 2024 03:59:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/lyRRvq9DaFl/cropped/annie-spratt-BJ3g2Ck2WfE-unsplash.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Retirement Fundamentals]]></title><description><![CDATA[If you’re new to saving for retirement, all the unfamiliar jargon can be off-putting. We’ve compiled some of the most common retirement terms, outlining what they mean and why they’re important. This is a great place to start building your retirement planning confidence.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-fundamentals</link><guid isPermaLink="false">665f2b2ed19ab6305f35f2af</guid><category><![CDATA[Retirement]]></category><pubDate>Sun, 02 Jun 2024 03:34:25 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/tdhMwtNoYjl/cropped/AdobeStock_195982825.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Navigating Health Savings: Your HSA Guide]]></title><description><![CDATA[Health savings accounts (HSAs) have surged in popularity over the years. You may have encountered them, possibly as part of the benefits offered by your workplace. This article attempts to answer frequently asked questions about HSAs.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/navigating-health-savings-your-hsa-guide</link><guid isPermaLink="false">664cd2c9e281472fa82b7c8f</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 21 May 2024 05:07:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_JvjqpvHBdq/cropped/AdobeStock_36011715.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Readiness Checklist]]></title><description><![CDATA[As you approach retirement, you want to make sure you are maximizing your savings. The CDC says the average 65-year-old woman can expect to live to age 86, while a 65-year-old man can expect to live to age 83. That is 25-30 years that you will need in savings, if you plan to retire at the normal retirement age. Here are some manageable steps that you can take to plan your retirement.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-readiness-checklist-2024</link><guid isPermaLink="false">663a7b11b4c11bcd2b3fb4c6</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 07 May 2024 07:13:44 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/XqK58Bbt6TH/james-hose-jr-6D58t6uZT5M-unsplash.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Tax Tips to Maximize Your Retirement Savings]]></title><description><![CDATA[Retirement represents a major turning point in one's life. One factor that remains, regardless of this new chapter in your life, is the presence of taxes. Considering all the potential variables, however, it makes sense to develop a customized retirement income plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/tax-tips-to-maximize-your-retirement-savings</link><guid isPermaLink="false">661eb6bf57cda8d22f7adbe8</guid><category><![CDATA[Tax]]></category><pubDate>Tue, 16 Apr 2024 05:43:22 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/FybzabDyv4O/cropped/AdobeStock_288407961.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[Roth in Review]]></title><description><![CDATA[Roth retirement plan contributions have the potential to allow individuals more flexibility in saving for retirement, whereby giving investors more control over the taxable alternatives. However, it is important to weigh the pros and cons. Read more to see if Roth is right for you.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/roth-in-review-24</link><guid isPermaLink="false">660c5dcfbc28b821c0e26677</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 02 Apr 2024 07:51:03 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/mys-kgrzODZ/cropped/AdobeStock_326299865.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Seven Tips to Prepare You For Retirement]]></title><description><![CDATA[A secure and happy retirement requires careful planning and is a well-constructed process. Starting now will give you plenty of time to make the strategic changes and improvements that will bring your retirement goals closer to reality. Here are seven things you should know to strengthen your retirement strategy.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/seven-tips-to-prepare-you-for-retirement</link><guid isPermaLink="false">65f9dea7c77268b4d097123a</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 19 Mar 2024 07:01:15 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/VE_Pav7vBuz/cropped/AdobeStock_102440245.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Strategies for Maximizing Workplace Retirement Benefits]]></title><description><![CDATA[Considering that more than 40% of employers now match employee contributions to retirement plans, taking advantage of this opportunity is crucial for improving your financial security. Even if your employer's contribution is modest, neglecting to participate means leaving money on the table. Before enrolling in your company's retirement plan, it's essential to understand how to optimize its benefits.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/strategies-for-maximizing-workplace-retirement-benefits</link><guid isPermaLink="false">65d61b67b11afc04c9854b8a</guid><pubDate>Mon, 19 Feb 2024 04:00:09 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YHuXiTFoEx0/cropped/AdobeStock_602971436.jpeg"/></item><item><title><![CDATA[How to Fit Your Student Loan Payments Back in Your Budget]]></title><description><![CDATA[After more than a 3-year-long pause due to the pandemic, federal student loan payments restarted in October 2023. For millions of borrowers, restarting student loan payments is a serious shift in their financial circumstances, especially as many borrowers are making payments for the first time since graduating. If this has been a pain point in your budget, here are some actions you can take.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-to-fit-your-student-loan-payments-back-in-your-budget</link><guid isPermaLink="false">65c1578d3e43768a3bd3ac41</guid><category><![CDATA[Financial Wellness]]></category><category><![CDATA[Wealth Management]]></category><pubDate>Mon, 05 Feb 2024 07:21:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/glkPN3fV4sp/cropped/AdobeStock_558259246.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/wealth-management" slug="wealth-management" name="Wealth Management"/></item><item><title><![CDATA[Navigating Retirement's New Horizons]]></title><description><![CDATA[As we embrace the dawn of a new year, contemplating the departure of a loved one may not be the most festive topic, yet it's an essential consideration for any forward-thinking planner. Here are some tips tailored for the new year to update your plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/navigating-retirements-new-horizons</link><guid isPermaLink="false">65a57c84ee91758290a64ffa</guid><category><![CDATA[Retirement]]></category><pubDate>Thu, 11 Jan 2024 01:42:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/qKbPF9exZPQ/cropped/AdobeStock_73957121.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Creating A Savings Budget]]></title><description><![CDATA[With monthly expenses increasing due to the rise of inflation, and lavish lifestyles expanding rapidly in the heat of digital consumerism, how do we make a personal budget and stick to it? Read more to discover tips on creating a realistic spending and savings plan, in order to help you reach your financial goals.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/creating-a-savings-budget-2024</link><guid isPermaLink="false">65943a31573f0065d1b3a432</guid><category><![CDATA[Savings]]></category><pubDate>Thu, 28 Dec 2023 04:49:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YBBXrh4fDbS/cropped/AdobeStock_612628041.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Financial Frost Checkup]]></title><description><![CDATA[As the winter season blankets our surroundings, it's the perfect time to conduct a comprehensive review of your financial situation. Use these tips to reflect on your current financial state of affairs and to assess your future goals. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/financial-frost-checkup</link><guid isPermaLink="false">658200f5ca95d0f6675670ac</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 19 Dec 2023 08:59:55 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_tZ7sJU790/cropped/AdobeStock_682989615.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[How Long Will Your Money Last?]]></title><description><![CDATA[With all of the advanced education and strategy tools available, it is still often difficult for employees to understand the difference between what they can save for retirement and what is needed to retire. It is not an exact science with so many variables at play. Sometimes, seeing what your account will actually provide over the course of your retirement can help you set an achievable goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-long-will-your-money-last-dec-edu-flyer</link><guid isPermaLink="false">656f7ed386f67a09a8485408</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 04 Dec 2023 03:20:05 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Ev5z_hDb9N/cropped/AdobeStock_644453861.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Gobbling Up Good Financial Habits]]></title><description><![CDATA[Holidays are all about spreading cheer and giving, but sometimes people tend to go a bit overboard, which can later result in financial stress. According to a survey conducted by Country Financial, 32% of folks feel the most financial pressure during the holiday season. Here are some ways to practice good financial habits this holiday season, in order to reduce spending stress. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/gobbling-up-good-financial-habits</link><guid isPermaLink="false">655bc6001b1113c5fb359253</guid><category><![CDATA[Savings]]></category><category><![CDATA[Financial Wellness]]></category><pubDate>Thu, 16 Nov 2023 05:04:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/CnZlh7lXvX/cropped/AdobeStock_381329078.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Tax Tips To Help You Approach or Begin Retirement]]></title><description><![CDATA[Retirement is a whole new phase of life. You’ll experience many new things, and you’ll leave others behind – but what you won’t avoid is taxes. With that in mind, it makes sense for you to develop a retirement income strategy. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/tax-tips-to-help-you-approach-or-begin-retirement</link><guid isPermaLink="false">655cd0ef8c20715be169d11d</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 15 Nov 2023 05:10:30 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/f8XpDa3K1Ho/AdobeStock_603169467.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Talking Money with Your Aging Parents]]></title><description><![CDATA[There’s a good chance you will have to get involved with your parents’ finances as they age. 1 in 4 adults say their parents rely
on them for financial support. Whatever their situation, you need to be prepared to have these conversations. Read more for tips on how to have peace of mind if you must get involved with your parents’ finances.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/talking-money-with-your-aging-parents</link><guid isPermaLink="false">654930c48e56121ea9f70662</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Wed, 01 Nov 2023 03:42:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/3Ur48CJClx/AdobeStock_62893081-updated.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></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[Smart Portfolio Stress Testing: Your Retirement Safety Net]]></title><description><![CDATA[You've been diligent—saving, monitoring retirement accounts, consulting your advisor. But are you prepared for life's uncertainties? Your retirement plan relies on assumptions: savings, investment duration, inflation, and returns. Life, however, loves throwing curveballs—job loss, health issues, financial shocks.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/smart-portfolio-stress-testing-your-retirement-safety-net</link><guid isPermaLink="false">652d7864e9d577b36bd4c8e2</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Financial Wellness]]></category><pubDate>Mon, 16 Oct 2023 07:18:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/2aT7TIVJptU/AdobeStock_136933491.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Career Extenders]]></title><description><![CDATA[The Bureau of Labor Statistics (BLS) showed that in 2020, 10.6 million people 65 and older were still in the workforce. This demographic of individuals is known as Career Extenders, and unlike making your own sourdough bread, this trend isn’t going anywhere anytime
soon. Read more to discover three simple steps to help prepare for a new age retirement. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/career-extenders</link><guid isPermaLink="false">651c33a05a6132acdbc39da6</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 03 Oct 2023 06:56:55 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/N8x_QrtH0NQ/AdobeStock_596865996.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Are You Over Age 50?]]></title><description><![CDATA[If you turn age 50 anytime in the calendar year, you are eligible to contribute an additional $7,500 into your plan as a catch-up contribution.  This is in addition to the $22,500 annual limit.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/are-you-over-age-50</link><guid isPermaLink="false">6508961534b8b12c3e69876a</guid><category><![CDATA[Retirement]]></category><pubDate>Sun, 17 Sep 2023 12:57:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/wRTN5l4Kom-/Picture1.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></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[Risk-proofing Your Future:  Personal Protection Strategies]]></title><description><![CDATA[Are you prepared for a secure financial future? Discover some key aspects of a comprehensive risk management strategy.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/risk-proofing-your-future-personal-protection-strategies</link><guid isPermaLink="false">64e4f05a198b16cc66ef92d8</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 22 Aug 2023 05:32:10 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/W3H5kc9XxTE/cropped/AdobeStock_272314124.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></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[Building a Bright Retirement Future]]></title><description><![CDATA[Clear, achievable, and meaningful goals can lay the foundation for success. Along your goal-setting journey, you may encounter various obstacles that are important to take into consideration when creating a well-defined financial plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/building-a-bright-retirement-future</link><guid isPermaLink="false">64b579a8c81ee0ccbea7bb90</guid><category><![CDATA[Retirement]]></category><pubDate>Sat, 15 Jul 2023 05:32:22 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/yBRAWtO6Yhz/Screenshot-2023-07-13-142409.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Roth vs Pre-Tax Contributions: MCF Participant Education Series]]></title><description><![CDATA[Join Retirement Planning Specialist and Financial Advisor, Hunter Nighbert every quarter for our Participant Education Series, where we discuss a wide range of topics that will help you plan and prepare for Retirement. 

Watch now to hear his insights into Roth vs Pre-Tax Contributions.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/roth-vs-pre-tax-contributions-mcf-participant-education-series</link><guid isPermaLink="false">6499e8275bb411ee5dd43b30</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 05 Jul 2023 05:32:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Q-P7leozcvH/Screenshot-2023-07-06-135213.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></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[How Much is Enough?]]></title><description><![CDATA[There are many formulas for figuring out how much money you need to retire. While thinking seriously about retirement finances is useful, for most people, these formulas may not come close to what your retirement actually looks like. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-much-is-enough</link><guid isPermaLink="false">6491b1cd3fc977821bdc7c9d</guid><category><![CDATA[Savings]]></category><pubDate>Thu, 15 Jun 2023 07:04:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/38xDb_PqeBK/Picture1-2.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></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[The Advantage of Saving Early]]></title><description><![CDATA[The amount of your total nest egg is exponentially influenced by the duration of time it has to compound. In other words, the earlier you start saving, the better, by leaps and bounds. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-advantage-of-saving-early</link><guid isPermaLink="false">646298093a954748fbdf5a40</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 15 May 2023 05:32:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/-mvl8U_LCX/bird-may.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Four Elements of Financial Wellness]]></title><description><![CDATA[Ready to tackle your Financial Wellness Plan? Let’s explore ways to become financially well together! Financial Wellness is the overall financial health of an individual.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/four-elements-of-financial-wellness</link><guid isPermaLink="false">644fc9c395469aee7f4c3f82</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Sat, 29 Apr 2023 05:32:48 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/dBP8pLGtXn/AdobeStock_218952393.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Need a Tax Break?]]></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/need-a-tax-break</link><guid isPermaLink="false">64429adfaf7e95e0c77c07c9</guid><category><![CDATA[Tax]]></category><pubDate>Tue, 18 Apr 2023 05:32:54 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/0f_ZTtI63i/cropped/April-participant-times.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[6 Ways to Manage Financial Stress]]></title><description><![CDATA[Financial stress can have a trickle-down impact on many aspects of daily life. MCF shares six simple strategies that can help you manage financial stress. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/6-ways-to-manage-financial-stress</link><guid isPermaLink="false">642460ad90a567116a87c19f</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Wed, 29 Mar 2023 05:33:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Lr8haiFSls/AdobeStock_113685095.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Retirement 101 - Q1 Participant Insights]]></title><description><![CDATA[Join Retirement Planning Specialist and Financial Advisor, Hunter Nighbert, as he shares insights into how to plan and prepare for retirement.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-101-q1-participant-insights</link><guid isPermaLink="false">6422f1df7902661a831fa281</guid><category><![CDATA[Retirement]]></category><pubDate>Sat, 25 Mar 2023 05:33:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Dm0Wz9gdNn/Q1-Webinar-Screengrab.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Planning Financial Futures]]></title><description><![CDATA[Do you spend more time planning your annual vacation than you do thinking about your personal finances? If so, you’re not alone. A lot of people put off financial planning or avoid it altogether. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/planning-financial-futures-2023</link><guid isPermaLink="false">640f733a0576f3654606cccd</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Mon, 13 Mar 2023 05:33:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Tcj2bmPnVW/AdobeStock_323972729.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[The Importance of Naming a Beneficiary]]></title><description><![CDATA[Do you know what will happen to your retirement savings if you were to pass away? Here are some things you should know about naming beneficiaries that could save your loved ones’ time, money and frustration.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-importance-of-naming-a-beneficiary</link><guid isPermaLink="false">63efa39989a1429c6653f604</guid><category><![CDATA[Wealth Management]]></category><pubDate>Thu, 16 Feb 2023 05:33:44 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/QEaD2GlAF-/AdobeStock_78536335-1.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/wealth-management" slug="wealth-management" name="Wealth Management"/></item><item><title><![CDATA[Teach Your Children (To Save) Well]]></title><description><![CDATA[Saving money can be hard to teach since it revolves around delayed gratification.   Education is key.  Look for teachable moments where money is concerned and engage with your child.  Saving teaches us how to set goals and prioritize. Help your child define saving goals and celebrate reaching those goals!  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/teach-your-children-to-save-well</link><guid isPermaLink="false">63e16fc4a59afea296b3a651</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 06 Feb 2023 09:33:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/DdFM7hkjks/Stocksy_txp2eafe2ccBCq000_Large_141918.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement  Word Scramble]]></title><description><![CDATA[Investing your money into retirement savings early is important to setting yourself on the path to your ideal retirement. Whether you plan to travel on vacation with your family or relax on a golf course, having a structured plan until you retire could allow you to do whatever makes you happy in retirement. Do not let your success over the years waste away, save your money now so you could enjoy your freedom later!]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-word-scramble</link><guid isPermaLink="false">63c5f7c8295df781b36e85c3</guid><category><![CDATA[Retirement]]></category><pubDate>Sun, 15 Jan 2023 05:33:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/uAZZTVABu9/AdobeStock_167402577.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></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, starting as early in your career as possible1. There’s a relatively painless way to reach that goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-savings-goal-2023</link><guid isPermaLink="false">63b5968e8d000fcc7b64ea52</guid><category><![CDATA[Savings]]></category><pubDate>Sun, 01 Jan 2023 03:40:33 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/66DnCJy8Dj/AdobeStock_84471005.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Social Security Basics]]></title><description><![CDATA[To be eligible for Social Security 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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/social-security-basics</link><guid isPermaLink="false">639092755bdd809e83505ab7</guid><category><![CDATA[Savings]]></category><pubDate>Sun, 04 Dec 2022 02:42:25 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/FAx7WOqo7F/Social-Security-infographic.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[5 Financial Tips for the  Sandwich Generation]]></title><description><![CDATA[Do you find yourself stretched thin between caring for an aging parent and your own children? If so you are part of what is known as the “sandwich generation”. The responsibility is not only mentally exhausting but can feel financially straining. This growing population are now “sandwiched” and must stretch their income to provide financial support on both sides. If you are part of the sandwich generation, there are financial planning tips you can follow to ease the stress that this brings.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/5-financial-tips-for-the-sandwich-generation</link><guid isPermaLink="false">636029c3d5cf374d2b370001</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Sun, 30 Oct 2022 05:33:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Zr4VkOOhrJg/AdobeStock_425034036.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Estate Planning Basics]]></title><description><![CDATA[It's important to work with an attorney and possibly a tax advisor / planner on your estate plan. The attorney will guide you through the creation of fundamental estate planning documents. These may include a will, health proxy and a durable power of attorney. A tax advisor / planner can help you with any associated tax issues. You will make the final decisions, but your attorney and tax advisor can help you understand the implications of each option.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/estate-planning-basics-2022</link><guid isPermaLink="false">634474b822fd7e6da7cef2de</guid><category><![CDATA[Tax]]></category><pubDate>Mon, 10 Oct 2022 07:54:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/5BuX0kj3gP/AdobeStock_216507665.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[Retirement Readiness: How will you prepare?]]></title><description><![CDATA[Much has been made of the current state of the American worker as it pertains to their retirement savings. The bleak outlook can largely be attributed to a lack of education when it comes to retirement planning - and more specifically investment allocation. With a growing number of millennials feeling ill-equipped to make investment-related decisions - even within their own retirement plans, the numbers prove that ignorance is not bliss.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-readiness-how-will-you-prepare</link><guid isPermaLink="false">6328d1c5e1824e9667878970</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 19 Sep 2022 05:34:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/RFI1Lfn4cp/food-table.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></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[5 Risks to Retirement Income]]></title><link>https://mcfadvisors.com/retirement-plan-participants/5-risks-to-retirement-incomee</link><guid isPermaLink="false">62dffaba2696c2163bd8e641</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 26 Jul 2022 05:34:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/u8xltX9FPnO/AdobeStock_282471979-1.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[The 4 Essential Elements of a Retirement Plan]]></title><description><![CDATA[With expanding life spans and increasing retirement costs, it will require serious retirement planning to ensure that your income will last a lifetime. Here are the four essential elements of a sound retirement plan:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-4-essential-elements-of-a-retirement-plan</link><guid isPermaLink="false">62cf1f3844babe25d523370b</guid><category><![CDATA[Plan Basics]]></category><pubDate>Wed, 13 Jul 2022 15:52:25 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/7y7Bbqz-8Z6/2hunid.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></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[Beneficiary Designations: Who will get your money?]]></title><description><![CDATA[Although not a pleasant topic, it is an important one – Who is the named beneficiary of your retirement account should you pass away?

When you enrolled in your retirement plan, you were asked to select a beneficiary to receive your retirement plan assets in the event of your death. This step may be more important than you think, and it is imperative that you keep this information up to date.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/beneficiary-designations-who-will-get-your-money</link><guid isPermaLink="false">62aa255d616d8e5b0ef7b693</guid><category><![CDATA[Wealth Management]]></category><pubDate>Wed, 15 Jun 2022 05:34:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/o4Sx_g-ET3m/Participant-memo.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/wealth-management" slug="wealth-management" name="Wealth Management"/></item><item><title><![CDATA[“Do it for me” Investment Strategies:   Managed Account vs. Target Dates]]></title><description><![CDATA[Deciding how to invest your retirement plan savings can be challenging and intimidating. Doing it in the best way requires understanding different investments and strategies, as well as having the time to track performance and make changes.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/do-it-for-me-investment-strategies-managed-account-vs-target-dates</link><guid isPermaLink="false">629e5d4f24e5bc309082d2b1</guid><category><![CDATA[Plan Basics]]></category><pubDate>Mon, 06 Jun 2022 08:14:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/fD47IDgeyC8/Stocksy_txp2eafe2ccBCq000_Large_713697.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/millennials-the-time-to-start-saving-is-now-2022</link><guid isPermaLink="false">6282800937085e6774199b60</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 16 May 2022 16:57:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/RzxTj_n4CP/may-participant-times.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Readiness Checklist]]></title><description><![CDATA[Preparing for retirement can be daunting, but it doesn’t have to be stressful. Whether you are years away from retirement or right around the corner, the best thing you can do for yourself is to be prepared! Your future self will thank you. Research has shown that starting to prepare for this milestone at least 5 years out leads to a much happier retirement.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-readiness-checklist</link><guid isPermaLink="false">62717c3789dee665667d0434</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 03 May 2022 07:20:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/MYU_fre7W7/AdobeStock_205200014.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Tax Saver’s Credit:  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/tax-savers-credit-get-the-credit-you-deserve</link><guid isPermaLink="false">6266e44ede24c930dc15e664</guid><category><![CDATA[Tax]]></category><pubDate>Mon, 25 Apr 2022 05:34:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/S-17ZjM31x/participant-memo-april.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[MCF Financial Wellness Webinar]]></title><link>https://mcfadvisors.com/retirement-plan-participants/mcf-financial-wellness-webinar</link><guid isPermaLink="false">6256b9a8af780e6abc96713b</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Wed, 13 Apr 2022 05:35:11 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[10 Advantages of Retirement Consolidation]]></title><link>https://mcfadvisors.com/retirement-plan-participants/10-advantages-of-retirement-consolidation</link><guid isPermaLink="false">62546e4aaf780e6abc941fdc</guid><category><![CDATA[Plan Basics]]></category><pubDate>Mon, 11 Apr 2022 06:39:50 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/uouMCynz04/AdobeStock_126525020.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Planning Financial Futures]]></title><link>https://mcfadvisors.com/retirement-plan-participants/planning-financial-futures</link><guid isPermaLink="false">622f81c844ced33b616a01dc</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Mon, 14 Mar 2022 05:35:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/AwZidKhg8W/participant-march.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Making Financial Health a Priority for Women]]></title><description><![CDATA[What causes stress in your life? If you said my finances, and my health, then you’re not alone. Studies conducted by Fidelity have found that more than 85% of women are stressed about their finances and 60% are stressed about both their money and their health1. How can we help reduce financial stress in our lives? Below are 3 primary strategies to help reduce financial stress.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/making-financial-health-a-priority-for-women-2022</link><guid isPermaLink="false">621ce9a8afde24450a6ed73f</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 01 Mar 2022 05:35:44 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Key Dates as You Approach Retirement]]></title><description><![CDATA[At what age can retirement plan distributions begin? When can a person begin to receive Social Security?]]></description><link>https://mcfadvisors.com/retirement-plan-participants/key-dates-as-you-approach-retirement</link><guid isPermaLink="false">62068ad93557b37a857aaace</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 15 Feb 2022 05:35:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/gB2laSfxKY/retirment.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[MCF Education Webinar – February 2022 Financial Planning Basics]]></title><description><![CDATA[Join Hunter Nighbert, Financial Advisor, as he discusses key financial planning considerations, including budgeting, retirement planning, estate planning, and tax planning.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/mcf-education-webinar-february-2022-financial-planning-basics</link><guid isPermaLink="false">61f14cec346ef74206e8a9f1</guid><category><![CDATA[Financial Wellness]]></category><pubDate>Tue, 08 Feb 2022 05:36:11 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-wellness" slug="financial-wellness" name="Financial Wellness"/></item><item><title><![CDATA[Creating a Savings Budget]]></title><description><![CDATA[We all know that setting a personal budget is important, but do we actually know how to make one and stick to it? Living in a post-pandemic world we’ve experienced many fluctuations in our monthly finances. Whether that’s receiving a boost from a stimulus check or the rising cost of everyday essentials. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/creating-a-savings-budget</link><guid isPermaLink="false">61f7ee83a8b6d815dbb60f33</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 01 Feb 2022 05:36:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/DEsmtV1Hhf/rapg.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Ten Things to Know About Your Employer’s Retirement Plan]]></title><link>https://mcfadvisors.com/retirement-plan-participants/ten-things-to-know-about-your-employers-retirement-plan</link><guid isPermaLink="false">61e58b4924770576f8496343</guid><category><![CDATA[Plan Basics]]></category><category><![CDATA[Retirement]]></category><pubDate>Tue, 18 Jan 2022 05:36:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/5i_uurP5ym/Brain.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Savings vs. Debt]]></title><description><![CDATA[Debt continues to sweep the nation. With student loan debt forever looming in the background, credit card debt is piling up fast for many Americans. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/savings-vs-debt-2022</link><guid isPermaLink="false">61cf15677eb8fd53954a89e3</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 04 Jan 2022 13:20:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/4RtLBY2557/Phone.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Time for a Financial Check Up]]></title><description><![CDATA[With the season changing and life ever pulling us forward, you may want to take into account life changes that may affect your financial goals. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/time-for-a-financial-check-up</link><guid isPermaLink="false">61b91f0672c2c272cebd2712</guid><pubDate>Tue, 21 Dec 2021 15:50:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/kzMvjukgKTu/AdobeStock_168775357.jpeg"/></item><item><title><![CDATA[How Long Will Your Money Last?]]></title><description><![CDATA[With all of the advanced education and strategy tools available, it is still often difficult for employees to understand the difference between what they can save for retirement and what is needed to retire. Sometimes, it is helpful to see what your account will actually provide over the course of your retirement. It can also help you set an achievable goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-long-will-your-money-last</link><guid isPermaLink="false">61ae8ed8c3bbb15e76fcdd0c</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 06 Dec 2021 10:46:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/XNMCZlPSC7W/AdobeStock_126525020.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Carving a Holiday Budget]]></title><description><![CDATA[The holidays are a time for giving, but often people can be a little overgenerous during this time of year and later find themselves in financial trouble. According to a survey by Country Financial 32 percent are feeling the greatest stress around holiday finances.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/carving-a-holiday-budget</link><guid isPermaLink="false">619c1870d0f26e7239d64b1a</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 23 Nov 2021 16:12:02 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/30b0dgP-jUR/Picture1.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Designate Your Beneficiaries ]]></title><description><![CDATA[Designate or review your Retirement Plan account beneficiary.  Unless you want the government to pick who your assets are distributed to, it is tremendously important to have a stated beneficiary appointed for your employer-sponsored retirement plan account. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/designate-your-beneficiaries-2021</link><guid isPermaLink="false">6172b54343e7bb1f03950110</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 26 Oct 2021 12:58:16 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/eM9NuK4qmSn/AdobeStock_203781139.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[What is Roth and What Does it Mean for Me?]]></title><description><![CDATA[When you hear Roth 401(k), Roth IRA, or just Roth, this is generally referring to a specific type of tax benefit your savings may receive. You pay taxes on Roth contributions for the taxable year in which they are made.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/what-is-roth-and-what-does-it-mean-for-me</link><guid isPermaLink="false">61697a95e430b050bd5d185c</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 19 Oct 2021 05:06:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/C4cZYhSeiNm/Roth.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[How Much Do Retirees Spend?]]></title><description><![CDATA[As people age, their spending patterns change, according to an analysis of Bureau of Labor Department data1. On average, US households under age 55 spend almost $58,000 a year on a wide variety of expenses.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-much-do-retirees-spend</link><guid isPermaLink="false">615b479d73ceae17af93954b</guid><category><![CDATA[Financial & Estate]]></category><pubDate>Tue, 05 Oct 2021 12:54:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/rBginGRE56c/shutterstock_138153356.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-and-estate" slug="financial-and-estate" name="Financial &amp; Estate"/></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[Back-to-school for Retirement Plans]]></title><description><![CDATA[Let’s check if you’re preparing for retirement and review the following items we’ve listed below.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/back-to-school-for-retirement-plans</link><guid isPermaLink="false">6149ce9db5b9e12383e5ef62</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 21 Sep 2021 12:55:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/de3Ao1PhCOB/shutterstock_1710645322.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></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[Save Early, Aim for Your Goal]]></title><description><![CDATA[Contributing to your employer’s retirement plan as soon as you’re eligible is crucial to meeting your retirement goals. The earlier you start saving, the more time compounding interest has to work on your behalf. Putting off contributions today means increased contributions to reach the same goals tomorrow. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/save-early-aim-for-your-goal</link><guid isPermaLink="false">6112718732d43a39a014727f</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 17 Aug 2021 12:55:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/VXDPWLSegry/Archery.jpg"/><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-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[Are You Sabotaging Your Retirement?]]></title><description><![CDATA[Saving for retirement can be intimidating, but it doesn’t have to be. Finding reasons not to contribute to your retirement plan will hurt you in the future. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/are-you-sabotaging-your-retirement</link><guid isPermaLink="false">60ec48a0f735740ca2d2b0fc</guid><category><![CDATA[Financial & Estate]]></category><pubDate>Tue, 13 Jul 2021 12:55:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/4aQEk94R4Ve/Picture1.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/financial-and-estate" slug="financial-and-estate" name="Financial &amp; Estate"/></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><item><title><![CDATA[Online Security Tips from The Department of Labor]]></title><description><![CDATA[Retirement Plan Participants can proactively reduce the risk of fraud and loss to a retirement account by following these basic rules:
]]></description><link>https://mcfadvisors.com/retirement-plan-participants/online-security-tips-from-the-department-of-labor</link><guid isPermaLink="false">60c7608777b15565b3455de4</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 15 Jun 2021 12:56:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/wXoe6ZCJLPZ/Picture1.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[To Borrow or Not to Borrow]]></title><description><![CDATA[Although you may have the ability to borrow money from your retirement plan in the form of a loan, please proceed with caution! If your employer offers Plan loans and you decide to borrow from your retirement account, you may end up causing harm to your ﬁnancial future. (Note, your employer’s retirement plan may not offer a loan provision. To inquire, check with HR or request a copy of your summary plan description).]]></description><link>https://mcfadvisors.com/retirement-plan-participants/to-borrow-or-not-to-borrow</link><guid isPermaLink="false">60be28198602076d8e1246b1</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 08 Jun 2021 12:56:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/K5IqAhDeA98/saving.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[What’s an HSA and is it Right for You?]]></title><description><![CDATA[Health savings accounts (HSAs) have grown tremendously in popularity over the past few years.1 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-and-is-it-right-for-you</link><guid isPermaLink="false">60a277598004ee465f0d7ce9</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 18 May 2021 12:57:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/P3U0jpX1fyA/Purple-Run.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Roth In Review]]></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/roth-in-review</link><guid isPermaLink="false">609014281a327348291f918e</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 04 May 2021 12:57:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/OmV1i2iipVk/AdobeStock_229832660.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Three Tax Tips that Can Help as You Approach or Begin Retirement]]></title><description><![CDATA[Retirement is a whole new phase of life. You’ll experience many new things, and you’ll leave others behind – but what you won’t avoid is taxes. If you’ve followed the advice of retirement plan consultants, you’re probably saving in tax-advantaged retirement accounts. These types of accounts defer taxes until withdrawal, and you’ll probably withdraw funds in retirement. Also, you may have to pay taxes on other types of income - Social Security, pension payments, or salary from a part-time job. With that in mind, it makes sense for you to develop a retirement income strategy. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/three-tax-tips-that-can-help-as-you-approach-or-begin-retirement</link><guid isPermaLink="false">606f00fa76c00c3e104f576d</guid><category><![CDATA[Tax]]></category><pubDate>Tue, 20 Apr 2021 12:57:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/vLKAlDczxP/Red.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[Retirement Goal Setting]]></title><link>https://mcfadvisors.com/retirement-plan-participants/estate-management-part-ii-mcf-retirement-education-webinar</link><guid isPermaLink="false">5fce4d1396f8ab3f6535a3f3</guid><category><![CDATA[Savings]]></category><pubDate>Wed, 14 Apr 2021 13:04:19 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[MCF Education Webinar – April 2021 Retirement Goal Setting]]></title><description><![CDATA[Join Hunter Nighbert, Financial Advisor, as he discusses how much retirement actually costs and the value of being precise in setting your retirement goals. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/mcf-education-webinar-april-2021-retirement-goal-setting</link><guid isPermaLink="false">607594f88ccb562bae99eff4</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 13 Apr 2021 13:04:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/lmw0PFdEczz/Screenshot-2021-04-08-081906.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></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, starting as early in your career as possible[1]. There’s a relatively painless way to reach that goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-savings-goal2021</link><guid isPermaLink="false">606b023ff3ab3449fb53cfbf</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 05 Apr 2021 13:04:50 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/utY5fUkPMX/grow.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Tax Saver's Credit Reminder]]></title><link>https://mcfadvisors.com/retirement-plan-participants/tax-savers-credit-reminder</link><guid isPermaLink="false">6050a2a1c67a9376b7252f4e</guid><category><![CDATA[Tax]]></category><pubDate>Tue, 16 Mar 2021 13:05:02 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/kw6TCKmnYZ/Tax-Saver.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[Prioritizing Debt]]></title><description><![CDATA[Debt is sweeping the nation. With student loan debt becoming astronomical among millennials and credit card debt piling up in the background, it can feel overwhelming that your savings is getting the short end of your paycheck. According to the Federal Reserve Bank of New York, Americans’ total household debt as of 2019 has reached $14 trillion – a record high. Thoughts of financial stress flood our minds of how we are going to afford our current lifestyle and our future in retirement.  ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/prioritizing-debt</link><guid isPermaLink="false">603cfadb64d8aa76febc3931</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 02 Mar 2021 14:05:15 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/l90EMFfKBO/Picture1.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Skip the Line, But Don’t Skip the Match!]]></title><link>https://mcfadvisors.com/retirement-plan-participants/skip-the-line-but-dont-skip-the-match</link><guid isPermaLink="false">60254e1261b4f63c5f2c862f</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 16 Feb 2021 14:05:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/rFBVYUbtOe/AdobeStock_194007653.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Planning and Saving for Life Events]]></title><description><![CDATA[Planning for a major event in your life can take a toll on not only your sanity, but your finances. Major life events are increasing in cost annually and we can be left thinking to ourselves, “can we even afford this?” Below are savings tips and insights into some of the major life events that we all experience one way or another.   ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/planning-and-saving-for-life-events</link><guid isPermaLink="false">60184fa761254f32006c0edd</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 02 Feb 2021 14:06:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/y0cQ_2-PzA/MCF_Family_Gold_2000.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Financial Wellness 101: How Much Do You Know About Your Retirement Plan?]]></title><description><![CDATA[Your employer provides you with a retirement plan for you to save money in, tax-deferred, for the day you bid your career farewell and enter into retirement. It’s important for you to know the facts about your plan, so you can maximize its saving potential. Here are essentials to know about your retirement plan:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/financial-wellness-101-how-much-do-you-know-about-your-retirement-plan</link><guid isPermaLink="false">5ffca418a77a183480dbbb85</guid><category><![CDATA[Plan Basics]]></category><pubDate>Tue, 12 Jan 2021 14:06:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/NPjJMXEusg/Wellness.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/plan-basics" slug="plan-basics" name="Plan Basics"/></item><item><title><![CDATA[Are You Saving Enough? ]]></title><link>https://mcfadvisors.com/retirement-plan-participants/are-you-saving-enough-2021</link><guid isPermaLink="false">5ff33774b6f97049c328ede2</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 05 Jan 2021 14:06:45 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/y_ERzjOaca/grow.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></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 is a relatively painless way to reach that goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-12-percent-savings-goal</link><guid isPermaLink="false">5fd7a4dd3d1a68204ae28783</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 15 Dec 2020 05:37:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/Q096Y0o8MS/A9R1rgitju_zratt2_1ck.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Estate Management Part 2 - MCF Retirement Education Webinar]]></title><link>https://mcfadvisors.com/retirement-plan-participants/estate-management-part-2-mcf-retirement-education-webinar</link><guid isPermaLink="false">60771aa7661e4a1dd2b16d52</guid><pubDate>Tue, 08 Dec 2020 17:40:59 GMT</pubDate><media:thumbnail url=""/></item><item><title><![CDATA[Estate Management Part I - MCF Retirement Education Webinar]]></title><description><![CDATA[Join Hunter Nighbert, Financial Advisor, as he discusses the ins and outs of Estate Planning with Lyle McQuinn.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/estate-management-part-i-mcf-retirement-education-webinar</link><guid isPermaLink="false">5fc7a89b58ad513e5241d7ee</guid><pubDate>Thu, 03 Dec 2020 14:48:12 GMT</pubDate><media:thumbnail url=""/></item><item><title><![CDATA[Seeing Social Security Clearly]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/seeing-social-security-clearly</link><guid isPermaLink="false">5fc503b34dbe0b17362888de</guid><category><![CDATA[Tax]]></category><category><![CDATA[Retirement]]></category><pubDate>Tue, 01 Dec 2020 05:37:52 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/9n5gY16N9Z/retirment.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/tax" slug="tax" name="Tax"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Retirement Plan Basics ]]></title><description><![CDATA[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).]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-basics-2020</link><guid isPermaLink="false">5fbd0ee441268163d8310e62</guid><pubDate>Tue, 24 Nov 2020 14:00:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/f1633h1UEP/Vista.jpg"/></item><item><title><![CDATA[Health Savings Accounts]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/health-savings-accounts</link><guid isPermaLink="false">5fa043455fef182ec685a13c</guid><pubDate>Tue, 03 Nov 2020 14:36:46 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/esfb1FtEX/Stocksy_txp815deb6czQq000_Original_714876-2.jpg"/></item><item><title><![CDATA[Budgeting For Retirement]]></title><description><![CDATA[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. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/budgeting-for-retirement</link><guid isPermaLink="false">5f7723ab34b136462b449e5d</guid><pubDate>Tue, 13 Oct 2020 13:00:36 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/hbDn3Ptz_Lpd/Dogphone.jpg"/></item><item><title><![CDATA[Estate Planning Basics]]></title><description><![CDATA[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.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/estate-planning-basics</link><guid isPermaLink="false">5f771fef34b136462b449e4a</guid><pubDate>Tue, 06 Oct 2020 13:00:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/SlPYyOYq-FW/AdobeStock_185719138.jpeg"/></item><item><title><![CDATA[Four Tips for Increasing Your Retirement Dollars]]></title><description><![CDATA[1. Don’t Cash Out Retirement Plans When Changing Employment

When you leave a job, the vested benefits in your retirement plan are an enticing source of money. It may be difficult to resist the urge to take that money as cash, particularly if retirement is many years away. If you do decide to cash out, understand that you will very likely be required to pay federal income taxes, state income taxes, and a 10 percent penalty if under age 59½. This can cut into your investments significantly and negatively impact your retirement savings goals! When changing jobs, you generally have three options to keep your retirement money invested – you can leave the money in your previous employer’s plan, roll it over into an IRA, or transfer the money to your new employer’s plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/four-tips-for-increasing-your-retirement-dollars-2</link><guid isPermaLink="false">5f5a23fe552ae44158b740a9</guid><pubDate>Tue, 15 Sep 2020 13:07:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/tOpJ1mnwd30L/height.png"/></item><item><title><![CDATA[Staying Focused During Market Volatility]]></title><description><![CDATA[Market volatility is a term used to describe the daily fluctuations, large and small, of the stock market. While volatility is an inevitable element of investing, markets have tended to reward those investors who don’t get rattled during market declines and stick to a long-term investment strategy. There are a wide range of factors that may affect market volatility such as world events, performance of certain sectors of the market, political factors, and natural disasters. Most of these factors are beyond anyone’s control and happen unexpectedly. So, what is a retirement investor to do when volatility strikes?

]]></description><link>https://mcfadvisors.com/retirement-plan-participants/staying-focused-during-market-volatility</link><guid isPermaLink="false">5f514b804c1a322341a6d9db</guid><pubDate>Tue, 08 Sep 2020 08:30:54 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/atMzX1xvGJHP/Comeback.png"/></item><item><title><![CDATA[Investing in Uncertain Markets ]]></title><link>https://mcfadvisors.com/retirement-plan-participants/investing-in-uncertain-markets</link><guid isPermaLink="false">5f3ab7dadf84a75c28c86e51</guid><pubDate>Tue, 25 Aug 2020 14:49:30 GMT</pubDate><media:thumbnail url=""/></item><item><title><![CDATA[Retirement Plan Check-Up]]></title><description><![CDATA[It is important to conduct regular check-ups on your retirement plan to make sure you are on track to reach your retirement goals. Below are a few questions to ask yourself, at least annually, to see if (and how) they affect your retirement planning.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-check-up</link><guid isPermaLink="false">5f29627e2e83b53d42debce1</guid><pubDate>Tue, 18 Aug 2020 13:33:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/RXfdz13Bv-c/Check-up.jpg"/></item><item><title><![CDATA[5 Risks to Retirement Income]]></title><link>https://mcfadvisors.com/retirement-plan-participants/5-risks-to-retirement-income</link><guid isPermaLink="false">5f282730ac64bd1ec9695c55</guid><pubDate>Tue, 11 Aug 2020 14:12:42 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/IkrrRbll8pZ/Domino.jpg"/></item><item><title><![CDATA[Good Health is the Best Wealth]]></title><description><![CDATA[Alisha and Jasmine are both 45 years old and both sought medical treatment for high blood pressure. Alisha doesn’t follow the lifestyle changes her doctor suggested, whereas Jasmine diligently follows her doctor’s recommendations. With Jasmine’s small changes she saves more than $1,000 in out-of-pocket healthcare costs. Additionally, Jasmine’s combined pre-retirement and in-retirement savings will be $89,456 more than Alisha, as shown in the table below. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/good-health-is-the-best-wealth</link><guid isPermaLink="false">5f086cf9cee8d70540f93c4f</guid><pubDate>Tue, 14 Jul 2020 13:42:44 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/du_pmw4w6-o/chuawahwa.jpg"/></item><item><title><![CDATA[10 Financial Terms Every Investor Should Know]]></title><link>https://mcfadvisors.com/retirement-plan-participants/10-financial-terms-every-investor-should-know</link><guid isPermaLink="false">5f0480cfaad58d5ae2b8a23e</guid><pubDate>Tue, 07 Jul 2020 14:32:20 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/de78SY_HXXu/AdobeStock_126125638.png"/></item><item><title><![CDATA[How Can You Prepare for Healthcare Expenses in Retirement]]></title><description><![CDATA[Rising healthcare costs are on everyone’s mind, even for affluent people. In fact, 69 percent of affluent pre-retirees cite rising healthcare costs as one of their top fears in retirement, according to a survey from the Nationwide Retirement Institute. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/how-can-you-prepare-for-healthcare-expenses-in-retirement</link><guid isPermaLink="false">5eda5c9e53ab1b7f88ba19c4</guid><pubDate>Tue, 16 Jun 2020 13:45:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/XTK9Y8xr4Ie/start.jpg"/></item><item><title><![CDATA[Investing in Your Future]]></title><link>https://mcfadvisors.com/retirement-plan-participants/investing-in-your-future</link><guid isPermaLink="false">5efa1d4a06c14a13db24fd8e</guid><pubDate>Tue, 09 Jun 2020 05:20:53 GMT</pubDate><media:thumbnail url=""/></item><item><title><![CDATA[Understanding Target Date Funds]]></title><description><![CDATA[Target date funds – also known as lifecycle or age-based funds – are diversified, asset allocation investment funds. They are designed to simplify retirement investing for participants without the time or knowledge to create and manage a well-diversified portfolio.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/understanding-target-date-funds</link><guid isPermaLink="false">5ed567d47e85ec38cefe1976</guid><pubDate>Tue, 02 Jun 2020 13:07:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/JVQmiqShKsr/AdobeStock_237523001.jpeg"/></item><item><title><![CDATA[How to Improve Your Retirement Outlook]]></title><link>https://mcfadvisors.com/retirement-plan-participants/how-to-improve-your-retirement-outlook</link><guid isPermaLink="false">5ebc2442495e0d5079b4b7ed</guid><pubDate>Thu, 14 May 2020 05:18:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/ex3t_z3oksm/Annotation-2020-05-13-124811.png"/></item><item><title><![CDATA[Four Basic Steps for a Successful Retirement]]></title><link>https://mcfadvisors.com/retirement-plan-participants/four-basic-steps-for-a-successful-retirement</link><guid isPermaLink="false">5ebaece4f0a5356bb6fb6aea</guid><pubDate>Tue, 12 May 2020 06:40:48 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/GaoNjq7myGv/sneakers.jpg"/></item><item><title><![CDATA[Retirement Readiness Milestones]]></title><link>https://mcfadvisors.com/retirement-plan-participants/retirement-readiness-milestones</link><guid isPermaLink="false">5eb1bc07ec535d2424b0442d</guid><pubDate>Tue, 05 May 2020 07:32:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/AdYM_wRZH9o/erisa.jpg"/></item><item><title><![CDATA[Five Key Decisions for a Successful Retirement]]></title><description><![CDATA[Life is a series of decisions, and everyone has to live with the results of the decisions they make. One of the most serious decisions that we all face is how to prepare for retirement, but frequently we don’t make the best choices to protect our futures. What are some of the most critical decisions you should make about retirement?]]></description><link>https://mcfadvisors.com/retirement-plan-participants/five-key-decisions-for-a-successful-retirement</link><guid isPermaLink="false">5e94a4b890c2bc75e3bf33fe</guid><pubDate>Mon, 13 Apr 2020 05:47:35 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/OTQvC5QNQ_r/puupy.png"/></item><item><title><![CDATA[Retirement Savings: Seeing a Consolidated Picture]]></title><link>https://mcfadvisors.com/retirement-plan-participants/retirement-savings-seeing-a-consolidated-picture</link><guid isPermaLink="false">5e8c799589ae34288269aa3d</guid><pubDate>Tue, 07 Apr 2020 07:22:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/A_Jp4ATHTCx/grow.jpg"/></item><item><title><![CDATA[Simple Secrets for Retirement Success]]></title><description><![CDATA[Retirement planning can often seem complicated and daunting. Really, though, most of the actions a person needs to take to work toward a confident retirement are very simple.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/simple-secrets-for-retirement-success</link><guid isPermaLink="false">5e6009b429ccab683ef0dd99</guid><category><![CDATA[Planning]]></category><pubDate>Wed, 04 Mar 2020 17:03:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/6jxqY2pyZ/Retirement-Success.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></item><item><title><![CDATA[Making Financial Health a Priority for Women]]></title><description><![CDATA[What causes stress in your life? If you said my finances, and my health, then you’re not alone. Studies conducted by Fidelity have found that more than 85% of women are stressed about their finances and 60% are stressed about both their money and their health. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/making-financial-health-a-priority-for-women</link><guid isPermaLink="false">5e5974e220407e6494d13d97</guid><category><![CDATA[Savings]]></category><pubDate>Mon, 02 Mar 2020 08:32:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/mB5GvB4BH/Savings.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Take Advantage of Your Company's Retirement Plan Matching Program]]></title><description><![CDATA[Over 40 percent of employers now offer at least a small retirement plan match to employees, who can help manage their financial wellness by taking advantage of this offer. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/take-advantage-of-your-companys-retirement-plan-matching-program</link><guid isPermaLink="false">5e4321ef679b3a521347bbf8</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 18 Feb 2020 09:53:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/y1cPE0GEv/Collie.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/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[5 Barriers Preventing You from Seeing Retirement]]></title><description><![CDATA[Often, people struggle with finding the extra money to save towards retirement. Many financial experts recommend putting away 12 to 15 percent of your pay for retirement, but for some this seems like an unrealistic goal.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/5-barriers-preventing-you-from-seeing-retirement</link><guid isPermaLink="false">5e3c526a4f1e9e463f1868be</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 11 Feb 2020 06:05:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/GdJZUhId1/AdobeStock_281174463.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Navigating Market Volatility]]></title><link>https://mcfadvisors.com/retirement-plan-participants/navigating-market-volatilit</link><guid isPermaLink="false">5d9754578fe9174549524b86</guid><category><![CDATA[Planning]]></category><pubDate>Thu, 30 Jan 2020 17:45:48 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/NfrdonSTAnL/Capture.JPG"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></item><item><title><![CDATA[The Importance of Keeping Beneficiary Information Updated]]></title><description><![CDATA[Planning for the departure of a loved one is a difficult thing to think about, but no matter how delicate, it is something any pragmatic planner must consider. What happens to your retirement account when you, your spouse or partner pass? 
]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-importance-of-keeping-beneficiary-information-updated</link><guid isPermaLink="false">5e135d05eaa47a71f72b40c7</guid><category><![CDATA[Planning]]></category><pubDate>Tue, 21 Jan 2020 14:36:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/7ijCxvnIA/importance.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></item><item><title><![CDATA[Savings vs. Debt - 5 Strategies to Start Saving Today!]]></title><description><![CDATA[Debt is sweeping the nation. With student loan debt becoming astronomical among millennials and credit card debt piling up in the background, it can feel overwhelming that your savings is getting the short end of your paycheck. According to the Federal Reserve Bank of New York, Americans’ total household debt has reached $13 trillion – a record high. Thoughts of financial stress flood our minds like how we are going to afford our current lifestyle and our future in retirement. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/savings-vs-debt-5-strategies-to-start-saving-today</link><guid isPermaLink="false">5e13492311ff6e7174070ec0</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 07 Jan 2020 16:37:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/MAD8c6U2o/savings-vs-debt.png"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Four Tips for Increasing Your Retirement Dollars]]></title><description><![CDATA[Don’t Cash Out Retirement Plans When Changing Employment

When you leave a job, the vested benefits in your retirement plan are an enticing source of money. It may be difficult to resist the urge to take that money as cash, particularly if retirement is many years away.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/four-tips-for-increasing-your-retirement-dollars</link><guid isPermaLink="false">5de6ade004d2a4613eddc23a</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 17 Dec 2019 13:46:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/HLmccNqiw/tips.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Designate Your Beneficiaries]]></title><link>https://mcfadvisors.com/retirement-plan-participants/designate-your-beneficiaries</link><guid isPermaLink="false">5d94e3a76e5bfa373f3b3ce5</guid><category><![CDATA[Planning]]></category><pubDate>Tue, 03 Dec 2019 13:46:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/hy4pKaZyeG1/AdobeStock_61225267.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></item><item><title><![CDATA[Three Tax Tips that Can Help as You Approach to Begin Retirement]]></title><description><![CDATA[Retirement is a whole new phase of life. You’ll experience many new things, and you’ll leave others behind – but what you won’t avoid is taxes. If you’ve followed the advice of retirement plan consultants, you’re probably saving in tax-advantaged retirement accounts.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/tips</link><guid isPermaLink="false">5dcb0ef90050d82076868fa5</guid><category><![CDATA[Planning]]></category><pubDate>Tue, 19 Nov 2019 13:46:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/kNwwjSXJ9LO/cropped/Ready.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></item><item><title><![CDATA[Retirement Planning: Putting Your Savings Goals Into Perspective]]></title><description><![CDATA[A little bit can go a long way! The tables below show how money invested in your retirement plan can grow over time. ]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-planning-putting-your-savings-goals-into-perspective</link><guid isPermaLink="false">5d94d0e78fe917454951f450</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 05 Nov 2019 14:48:41 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/PFjHX2ppdx9/grow.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Readiness - Planning for the First Day of the Rest of Your Life]]></title><description><![CDATA[MUCH HAS BEEN MADE OF THE CURRENT STATE IF THE AMERICAN WORKER as it pertains to their retirement savings.   According to a recent study by the General Accountability Office, 29% of Americans 55 and older do not have any retirement savings or pension plan and those who have saved are woefully behind with 55-64 year olds averaging $104,000 in retirement assets.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-readiness-planning-for-the-first-day-of-the-rest-of-your-life</link><guid isPermaLink="false">5d9753056e5bfa373f3b9af5</guid><category><![CDATA[Planning]]></category><pubDate>Tue, 15 Oct 2019 13:28:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/21iGlfILI_y/AdobeStock_203781139.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></item><item><title><![CDATA[Finding Extra Dollars]]></title><description><![CDATA[With so many financial responsibilities, you may feel that there isn’t a lot of wiggle room in your budget for increases in retirement savings. Here are a few suggestions to help make it work:]]></description><link>https://mcfadvisors.com/retirement-plan-participants/finding-extra-dollars</link><guid isPermaLink="false">5d935bbdaf70c62610a47975</guid><category><![CDATA[Savings]]></category><pubDate>Tue, 01 Oct 2019 14:17:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/24zBeANjJUA/AdobeStock_165134847.jpeg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></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</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[Borrowing Against Your Retirement: More Costly Than You Think]]></title><description><![CDATA[Participating in the Company's Retirement Plan is a smart and important decision. Smart because you are putting away small amounts today for a comfortable retirement later.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/borrowing-against-your-retirement-more-costly-than-you-think</link><guid isPermaLink="false">5d812f2f985aa14c76beeb79</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 17 Sep 2019 08:22:52 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/YTtcnL43RWE/piggy-bank.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/savings" slug="savings" name="Savings"/></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[Summer Homework]]></title><description><![CDATA[We know you’re ready for summer! But, how’s your retirement plan doing?

Summer can serve as a preview of your retirement — long days in the sun and spending time with your loved ones! So, what better time to do a routine check-up on your retirement plan! Protect your loved ones and ensure you are keeping up to date with your retirement plan with our summer homework assignments!]]></description><link>https://mcfadvisors.com/retirement-plan-participants/summer-homework</link><guid isPermaLink="false">5d812e2132a7f85aa644f561</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 15 Jul 2019 08:21:03 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/97XTzTJdv-a/Summer-Reading.jpg"/><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/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[The Real Cost of Coffee and Lunch]]></title><description><![CDATA[Saving for retirement isn’t easy. However, what you may not realize is that by making small adjustments you can save a substantial amount that can be added to your retirement plan.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/the-real-cost-of-coffee-and-lunch</link><guid isPermaLink="false">5d813a58f544664c66d8d7b9</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Tue, 02 Jul 2019 08:21:43 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/geKuCJ63Fdn/AdobeStock_115465500.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/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[Retirement Savings Plan Education - Q2 2019]]></title><description><![CDATA[Retirement Savings Plan Education - Q2 2019
]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-savings-plan-education-q2-2019</link><guid isPermaLink="false">5d8b7bd612d9fb0b95dad1ec</guid><category><![CDATA[Savings]]></category><pubDate>Thu, 13 Jun 2019 14:16:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/TLm_cQc3sil/cropped/C5F9E2FF-DAD6-470E-8347-63CF8B105BEA.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/savings" slug="savings" name="Savings"/></item><item><title><![CDATA[Retirement Plan Loans: To Borrow or Not to Borrow?]]></title><description><![CDATA[Although you may have the ability to borrow money from your retirement plan in the form of a loan, please proceed with caution! If you borrow from your retirement account, you may end up causing harm to your financial futures.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/retirement-plan-loans-to-borrow-or-not-to-borrow</link><guid isPermaLink="false">5d8138a432a7f85aa644f6a1</guid><category><![CDATA[Planning]]></category><category><![CDATA[Wellness]]></category><pubDate>Tue, 04 Jun 2019 08:17:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/PztfhlRZ9Gv/Questions.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/wellness" slug="wellness" name="Wellness"/></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[Q1 2019 Webinar: Retirement Goal Setting with Hunter Nighbert]]></title><link>https://mcfadvisors.com/retirement-plan-participants/q1-2019-webinar-retirement-goal-setting-with-hunter-nighbert</link><guid isPermaLink="false">5d8138011a4fff5a96e8c310</guid><category><![CDATA[Planning]]></category><pubDate>Wed, 06 Mar 2019 16:09:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/SCvUuGVscxq/Hunter-Nighbert-Headshot.jpg"/><post:categories url="https://mcfadvisors.com/retirement-plan-participants/category/planning" slug="planning" name="Planning"/></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[Don't Let Student Loan Debt Get In Your Way of Financial Success]]></title><description><![CDATA[If you find yourself in a position of not being able to pay off your student loan debt and save for your future, you’re not alone. According to the New York Federal Reserve, more than two million student loan borrowers have student loan debt greater than $100,000, with approximately 415,000 of them carrying student loan debt in excess of $200,000.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/dont-let-student-loan-debt-get-in-your-way-of-financial-success</link><guid isPermaLink="false">5d812148985aa14c76bee80e</guid><category><![CDATA[Planning]]></category><category><![CDATA[Savings]]></category><pubDate>Mon, 18 Feb 2019 09:12:44 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/BvruelX0saM/Debt.jpg"/><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/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[Keep Your Plan Assets Safe ]]></title><description><![CDATA[You work hard for your money. You wisely choose to defer a portion of your salary for your interests in your retirement years. The plan is designed to help you grow your savings to an appropriate amount of money to support you once you reach your retirement years.]]></description><link>https://mcfadvisors.com/retirement-plan-participants/keep-your-plan-assets-safe</link><guid isPermaLink="false">5d81206af544664c66d8d0ba</guid><category><![CDATA[Planning]]></category><category><![CDATA[Wellness]]></category><pubDate>Mon, 14 Jan 2019 09:11:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5a2960f547c4357916a4f2d5/_wULwcbzlx3/hacker.jpg"/><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/wellness" slug="wellness" name="Wellness"/></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>