nexusfga

We feel retirement planning has never been more important, yet confidence in a secure financial future is shrinking. A March 2025 Fidelity Investments® State of Retirement Planning study reveals that while 7 in 10 of those currently in retirement feel stable, confidence in retirement outlook among pre-retirees has dropped by 7 percentage points from last year.¹  Gen X-ers […]

If you’re looking to improve your 401(k) performance in 2025, there is an often-overlooked strategy that may help.  It’s called rebalancing. And failing to rebalance your portfolio could mean losing more than necessary in down markets or not maximizing gains in strong ones. Yet, many 401(k) investors often fail to rebalance, and, in doing so,

When markets drop, it can be easy to panic.  But history shows that staying invested through downturns can often be the smartest move. In this special market update, we break down what’s happening right now – and why sometimes doing nothing may be the best strategy. What’s Going on in the Market We’re seeing corrective activity in

Many Americans mistakenly believe Social Security will be enough to fund their retirement – but reality paints a different picture.  Consider the most recent cost of living adjustment. The 2025 Social Security COLA increase is just 2.5%.¹ This minimal increase means “retired workers’ Social Security checks will grow by around $48 a month, going from

When it comes to saving for retirement, it may be not just about how much you save – it may be about how much you get to keep. Understanding 401(k) tax implications may help you maximize your savings and avoid unexpected tax bills down the road. Are you aware of how your 401(k) contributions affect

Your 40s and 50s are often the prime years for building wealth, but too many people may make avoidable mistakes with their 401(k)s – mistakes that could cost them in retirement.  Whether it’s not saving enough, ignoring market shifts, or borrowing from your future, these missteps can add up fast.  The good news?  It’s normally never too late to change

401 (k) plans are designed to help in retirement, but if you don’t follow the rules, you may find yourself facing 401(k) withdrawal penalties. This is because the purpose of a 401(k) plan is to provide money following retirement from employment – not function as a general savings account. If you are unaware of 401(k)