Retirement Planning

A 401(k) plan is a tax-deferred salary savings plan that companies can offer their employees as a retirement account.
A 403(b), commonly referred to as a Tax-Deferred Annuity (TDA) or Tax-Sheltered Annuity (TSA) plan, is a retirement savings plan available to employees of certain public education organizations, non-
AARP stands for the American Association of Retired Persons.
In the finance world, an advisor (also spelled adviser) is an educated investment professional who helps people and businesses set and meet long-term financial goals.
A blackout period is a time period of roughly 60 days during which a company's employees are unable to make changes to their savings or retirement plans.
A dark pool is trading activity that occurs directly between parties without the use of an exchange, thereby keeping the transactions private.
A deferred stock purchase plan is an uncapped stock contribution with an employer matching the contribution that vests as the employee provides additional service during a deferral period. 
A defined benefit plan is a qualified retirement account that contractually agrees to pay a specified benefit at the plan holder's age of retirement. This type of qualified plan clearly defines the amount
In general, a defined contribution plan is a tax-deferred savings plan that people fund with their own money (rather than an employer) and use to save for retirement. It is the opposite of a defined
The Employee Benefits Security Administration (EBSA) is the branch of the United States Department of Labor responsible for overseeing the administration and planning of employee pension funds by company
An employee contribution plan is an employer-sponsored retirement plan where employees deposit (contribute) their own money to a special account.
Th Employee Retirement Income Security Act of 1974 (ERISA) is an American federal statute that protects the retirement assets of Americans by establishing a set of rules that must be followed by
A hardship withdrawal is a premature withdrawal of money from a retirement account on account of special circumstances.
An Individual Retirement Account (IRA) is a government sponsored, tax-deferred personal retirement plan. 
A joint and survivor annuity is an annuity with two named beneficiaries. The annuity provides both beneficiaries with recurring income for life.
A Keogh Plan is a tax-deferred retirement plan available to self-employed individuals or unincorporated businesses. Congress passed legislation called the Self Employed Individuals Tax Retirement Act of
Liability matching is an investing strategy for investors who need to fund a series of future liabilities.
The term matching contribution refers to a matching dollar amount contributed by an employer to the retirement savings account of an employee who makes a similar contribution, usually to a 401(k) plan.
Medicaid is a U.S. government program that provides free or low-cost health insurance coverage for low-income people.
A non-qualified plan is a retirement plan to which the IRS does not grant specific tax benefits.
The Old Age and Survivors Insurance Trust Fund is an account that funds the Old Age Survivors and Disability Insurance Program (OASDI). OASDI, also known as Social Security, is a federal program that
The Old Age Survivors and Disability Insurance Program (OASDI), also known as Social Security, is a federal program that provides income and health insurance to retired people, the disabled, the poor and
A qualified automatic contribution arrangement (QACA) is a way to automatically enroll employees in a defined contribution plan like a 401(k). 
A qualified distribution refers to a tax and penalty-free withdrawal from a Roth IRA.
A qualified reservist is a member of the military reserves who is eligible to make an early withdrawal from an individual retirement account (IRA).
A qualified retirement plan is a plan to which the IRS grants specific tax benefits.
A qualifying investment is a contribution to a retirement plan made with pre-tax income.
A Roth IRA is a type of Individual Retirement Account (IRA) for individuals who fall below certain income thresholds. One of the primary benefits to investing in a Roth IRA is that distributions are tax-
The Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) is a salary savings plan that small companies can offer their employees. The plan allows employers to match their employees'
Social security is a federal program that provides income and health insurance to retired persons, the disabled, the poor, and other groups. The program started in 1935 with the signing of the Social
A tax-deferred annuity (TDA), commonly referred to as a tax-sheltered annuity (TSA) plan or a 403(b) retirement plan, is a retirement savings plan available to employees of certain public education
A tax-deferred savings plan is an account that allows the account holder to postpone paying taxes on the investments in the account.
In Canada, a tax-free savings account (TFSA) is a federal program that allows Canadians to avoid paying taxes on interest earned in specific savings accounts.
A tax-sheltered annuity (TSA), also referred to as a tax-deferred annuity (TDA) plan or a 403(b) retirement plan, is a retirement savings plan for employees of certain public education organizations, non-
A withdrawal penalty occurs when a depositor or investor withdraws funds from an account before an agreed-upon withdrawal date for disallowed purposes or in a disallowed manner.