Saving with just a 401(k) may not be enough

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Saving with just a 401(k) may not be enough Do you contribute to an individual retirement account? Only 28 percent of American workers do. The majority who don’t do it say they feel they can’t afford it. Another 25 percent say they don’t contribute to an IRA because they participate in a retirement plan at work. But you still should consider doing so. Read More It’s never wise to ignore mail from the IRS Have you ever discarded a piece of mail you later wish you hadn’t? Usually the consequences are not severe. But there’s one sender you never want to ignore: the IRS. Read More Are you committing financial infidelity? Amazingly, 44 percent of couples admit to keeping money secrets from their spouses or partners. Listen to Ric Edelman share an easy way to test if you’re likely to commit financial infidelity. Missed last week's radio show? Listen now. Join us for our free webinar: Protecting Your Portfolio From Large Losses Topics we will cover include: How to find a balance between growing and protecting your savings. Why market downturns happen fast and recoveries from these downturns can take a long time. The mistake that many pre-retirees make by focusing solely on the amount they’ll need to retire and not considering other factors. How to maintain a long-term focus and follow your personalized plan. Thursday, Feb. 27, at 2 p.m. & 7 p.m. ET Q&A How are financial advisors compensated? A reader is thinking of consulting a fee-based financial planner but is not clear on how they get compensated. He asks if fees are based upon the amount of assets managed or by some other way? Read Ric’s answer and insights on this situation. See Ric's Answer STAY CONNECTED Radio | TV | Books Want to learn more? Visit EdelmanFinancialEngines.com or call (888) PLAN-RIC for more info. Investing strategies, such as asset allocation, diversification, or rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. Past performance does not guarantee future results. All information provided is for education purposes only and does not constitute investment, legal, or tax advice, an offer to buy or sell any security or insurance product or an endorsement of any third party or such third party's views. Whenever there are hyperlinks to third-party content, this information is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside Edelman Financial Engines. All examples are hypothetical and for illustrative purposes only. Please contact us for more complete information based on your personal circumstances and to obtain personalized individual investment advice. This material was prepared for informational and/or educational purposes only. Neither Financial Engines Advisors L.L.C (also referred to as Edelman Financial Engines) nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from qualified tax and/or legal experts regarding the best options for your particular circumstances. This email was sent to [email protected] - Why are you getting this email? You are receiving this email because you have expressed an interest in communications from Ric Edelman. If you would like to unsubscribe from getting Ric's weekly email newsletter, click unsubscribe to manage your subscriptions and communication preferences. © 2020 Edelman Financial Engines, LLC. Financial Engines ® and Edelman Financial Engines TM are trademarks of Edelman Financial Engines, LLC. All advisory services offered through Financial Engines Advisors L.L.C. (FEA), a federally registered investment advisor and wholly owned subsidiary of Edelman Financial Engines, LLC. FEA may also be referred to as Edelman Financial Engines or Financial Engines. Results are not guaranteed. AM1100358 This message was sent by Edelman Financial Engines, LLC - 4000 Legato Road, 9th Floor, Fairfax, VA 22033-4055 - (888) 752‑6742. Privacy