Looking to maximize your 401(K) balance? Read this write up to know the few strategies to maximize your 401(K) administration balance. Visit http://heartcg.com/ for more details.

1. S t r a tegies t o
M a xi mize
Y our 401(K)
Ba l a nce
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2. At a time when most people don't have a traditional pension,
growing and then protecting your 401(k) balance is essential
for a secure retirement. Pay close attention to 401(k) rules to
make sure fees, taxes and other mistakes don't unnecessarily
reduce your 401(k) balance.
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3. GET A MATCH
The most common 401(k) match is 50 cents for each dollar
saved on up to 6 percent of pay. If your employer offers a
401(k) match, make sure you save enough to take advantage
of it.
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4. STAY UNTIL YOU ARE VESTED
You won't get to keep the 401(k) match from your employer
until you are fully vested in the 401(k) plan, which can
sometimes take as long as five or six years of service at the
company.
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5. MAXIMIZE YOUR TAX BREAK
Traditional 401(k) plans allow you to defer paying income tax
on the money you save for retirement. Investors can
contribute up to $18,500 to a 401(k) plan in 2018, up $500
from 2017.
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6. DIVERSIFY WITH A ROTH
A growing proportion of employers now offer a Roth 401(k)
option in which workers can save after-tax dollars, and
distributions are tax-free in retirement.
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7. ROLLOVER WITHOUT FEES
When you change jobs, you can generally leave your 401(k)
balance at your former company or roll it over to an IRA or
your new employer's 401(k) plan.
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8. Visit heartcg.com
Call: +1 913-649-3171
E-mail: gmb@heartcg.com
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