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Even If You Are Not Invested In The Market You Are Still Loosing Money With Your 401K/403B Plans!
Currently You Can Earn Up To 4.8% Without Any Expenses By Rolling Over. And Is NOT An Annuity !!!!

Why I Decided To Rollover My 401K . After I Researched What Was Inside Target Data Fund Everything Changed For My Personal Account! If you are close to retirement or retired most likely you are in Target Data Fund. And even if you Opt out you are still paying in most cases over .50% FEE . Most investor are not aware what’s happening and are still paying ! Some of this fees like recordkeeping services are not listed in your quarterly statements. So for example if you have 500K in your account you are paying over $2500 each year and getting NO service. ————————————————— ————————————————— Let’s Simplify Things! My Goal Is To Encourage, Motivate & Inspire You That Successful Financial Planning Does NOT Need To Be Complex But SIMPLE. Since There Is So Much Fear😨 Out There , I Decided To Launch This YouTube Channel . So, Let’s Ignore Together The Fear & The Noise That The Media & The Financial Industry Is Pushing. About Me: I became FI & choose to quite my 9:5 job at an age of 44. I was in varies leadership roles through out my working career & realized that money is just a tool. In This Channel I’ll be also sharing my day to day life too. As I Love the Lord, my family, & people. “Owe nothing to anyone—except for our obligation to love one another. Love Everyone & be wise how we use money as is just a tool. “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs”. “We will always harvest what we plant” ————————————————— DISCLAIMER: These videos are for entertainment purposes ONLY . Investing of any kind involves risk. Your financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions. I don’t recommend anyone to follow the same strategy rather than showing you what I’m currently doing with my personal fInances. Remember you can’t take anything with you . Money is just a tool so use it wisely . Because … “You will always harvest what you plant”. And “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” Have a blessed day everyone! If you don’t agree with these terms and our full disclaimer in our website under privacy-policy You should stop ✋ continuing….(read more)

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It is a widely known fact that 401K/403B plans are great ways to save money for retirement. These plans provide an opportunity to invest and grow your money tax-free until you retire. However, what most people do not know is that they are still paying fees inside their 401K/403B. Yes, that’s right, these plans are not entirely free of charges.

Fees can be charged in a number of ways, such as in the form of administrative fees that could range from $50 to $200 per year. Additionally, fund expense ratios are another form of fees that can be charged by mutual funds that are part of your retirement plan. These ratios are a percentage of the assets that you have invested in a particular fund, and the fee typically averages around 1%.

The problem with these fees is that they can add up over time and can have a significant impact on your retirement savings. For instance, if you have been contributing $500 per month to your 401K/403B for the last 25 years, and assume an average annual fee of 1%, you could be losing out on around $140,000 in retirement savings. This is a significant amount of money that could have been better utilized to secure your retirement.

However, there is good news for those who want to take control of their retirement savings. A rollover IRA is an excellent option for individuals who want to take advantage of a broader range of investment choices and potentially lower fees. By rolling over your 401K/403B into an IRA, you gain greater flexibility in choosing your investments and eliminate the limitations of a company-sponsored retirement plan.

Moreover, rollover IRAs offer a unique opportunity to earn higher returns on your investments with lower fees. At Wealthstone Advisors, we offer rollover IRA options that have a 4.8% annual percentage yield. This is an attractive option for people looking for ways to maximize their retirement savings because, with higher returns, you are not only earning more money, but you are also avoiding the fees that eat into your savings.

In conclusion, it is important to recognize that despite the many benefits of 401K/403B plans, there are still fees involved that can negatively impact your retirement savings. However, by rolling over your savings into an IRA, you can take control of your investments and earn higher returns with lower fees. At Wealthstone Advisors, we can help you with your rollover IRA and guide you to grow your retirement savings at a rate that is right for you.