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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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Weathering a Market Downturn - Near or During Retirement

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...

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How Much is Enough?

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.

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Hardship Distributions Costs & Penalties

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.

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The Advantage of Saving Early

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.

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