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Participant Insights

Portfolio rebalancing, how to budget your money, what’s an HSA and who needs one? Preparing for retirement is hard. From personal finance basics to retirement planning and everything in between, we’ve got a few ideas to make life a little simpler. Contact MCF with any questions.

Financial Wellness


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Medicare

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.

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Income Replacement in Retirement

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.

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Estimating Your Financial Needs for Retirement

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?

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Retirement Fundamentals

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.

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Retirement Readiness Checklist

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.

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Roth in Review

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.

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