Retirement Planning

Retirement Plan Anagrams

100

One element of the "Three-Legged Stool" of retirement:

I CLUES A CORSITY

 Social Security

200

The WSJ says the "Safe" rate for this is now 3.3%:

A WILD RATHW

Withdrawal

300

A plan sponsor's legal duty to put you first:

IUCIDYFAR

Fiduciary

400

Biden kept this Trump-era rule for moving a 401(k):

LOVER LOR

Rollover

500

The WSJ noted 85% of these "pros" lagged the S&P 500:

KOTCS PREIKCS

Stock Pickers

Rhyme Time

100

This contract can provide a stream of retirement income for extra financial immunity.

Annuity

200

This term tells you when employer contributions are no longer forfeitable and are yours instead of just resting.

Vesting

300

This framework says retirement income should come from Social Security, employer plans, and personal savings, that’s the rule.

Three-Legged Stool

400

This process of choosing the mix of stocks, bonds, and cash is part of retirement plan calculation.

Asset Allocation

500

This model runs many possible retirement outcomes instead of one fixed situation.

Monte Carlo simulation

Same Letter Bookends

100

A legal arrangement where a third party holds assets for a beneficiary

Trust

200

There are three of these for retirement income

Sources

300

Moving a 401(k) to an IRA is known as this

Rollover

400

This includes everything you own at death

Estate

500

An exception to the 401(k) early withdrawal penatly may apply to someone who is ________.

Disabled

Fill In The Blank

100

The three sources of retirement savings include Social Security, 401 (k), and ________

Personal Savings

200

Leaving a job before you are fully vested can mean you risk ______ your employer's 401(k) contribution. 

Losing (forfeiting) 

300

A _______ allows homeowners to borrow against the equity that they have in their homes. 

Home Equity Line of Credit (HELOC) 

400

_________ is the strategy of selling investments at a loss in order to offset other sales that produced gains. 

Tax Loss harvesting 

500

A 403(b) retirement plan is very similar to a 401(k), but it only available to employees of a _______ organization 

non-profit or 501(c)(3)

Number Answers

100

The maximum employee elective deferral into a 401(k) in 2025 (Under 50 years old)

$23,500

200

The maximum contribution into a Roth IRA in 2025 (Under 50 years old)

$7,000

300

The overall 415(c) contribution limit for defined contribution plans in 2025, combining employee deferrals, employer match, and forfeitures

$70,000

400

When managing withdrawal of retirement savings, the rule of thumb is to withdraw 3 to 4% annually. At a rate of 4%, you would expect retirement savings to last for

25 years

500

The excise tax penalty, applied to the amount of a required minimum distribution that a taxpayer fails to withdraw

50%