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Retirement Planning, Employer Benefits Mike Heatwole, CFP®, AWMA® Retirement Planning, Employer Benefits Mike Heatwole, CFP®, AWMA®

One Question to Ask HR If You Are Already Maxing Out Your 401(k) Contributions

Maxing out your 401(k) is a great milestone, but many employees don’t realize their company may offer an additional savings option called a “mega backdoor Roth.” This article explains the one key question to ask HR about after-tax contributions and how this strategy can boost your long-term retirement savings.

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Insurance & Financial Protection, Employer Benefits Mike Heatwole, CFP®, AWMA® Insurance & Financial Protection, Employer Benefits Mike Heatwole, CFP®, AWMA®

The One Change You Should Make This Year During Open Enrollment

Open enrollment is the perfect time to make small adjustments that can create a big difference in your financial future. This article explains why increasing your retirement plan contributions by just 1% each year can significantly grow your savings over time.

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Retirement Planning, Employer Benefits Mike Heatwole, CFP®, AWMA® Retirement Planning, Employer Benefits Mike Heatwole, CFP®, AWMA®

Your HSA: A Powerful Retirement Savings Vehicle?

A Health Savings Account (HSA) is more than a tool to cover medical expenses, it can be a powerful part of your retirement strategy. With tax-deductible contributions, tax-free growth, and tax-free distributions for qualified medical expenses, HSAs offer a unique opportunity to build long-term savings.

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