It’s the holiday season, and the time of year when many get themselves into trouble by spending excessively through the use of credit cards; only to have problems paying off those cards or even making the required payments in the coming year.

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Are you holding one or more 401(k) plan accounts from former employers? You have several options: 

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Time is money—literally.  For a recent graduate, time might also seem like an abundant resource, with many thinking they have plenty of time to save for their future – later. 

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As the saying goes, the only two certainties in life are death and taxes.  Unfortunately, both are inevitable and unavoidable. If you plan properly, however, you may lessen the hardship on those you leave behind.   Since none of us know when our time will arrive--whether you are 35, 55, or 95 it is important you leave instructions. 

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