If you have just started your first job or a new job that offers a 401k, now is the time to kick-start your savings. It’s actually best to save in both your 401k and a Roth IRA, and here are the reasons why. The 401k Regular 401k contributions are before tax, both federal and state.  This means that you will save on taxes right now.  When you withdraw the money in retirement you will owe

If you’re fortunate enough to have a retirement plan through your employer managed by TIAA, your plan will have access to the TIAA Traditional Annuity option.  This is a unique guaranteed investment option only available from TIAA. Client interest in this guaranteed option is on the rise as the yields on short term bond funds have gone down to practically nothing, and the prospect of rising interest rates is causing fear that bond funds will