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margin-right:auto; margin-left:auto; text-align:center"> <div style="position:relative;top:20px;width:450px;height:250px;float:left;"><table border='0' width='450px' height='250px' cellpadding=4 style="font-family:Arial, Helvetica, sans-serif;"> <tr> <td colspan='2' style='border-top:2px solid #e6e8db;border-bottom:2px solid #e6e8db'><h1 class='medium' style='margin:0;font-size:14pt'>TALK BACK:Annual Retirement Savings Can't Be Fixed Percentage</h1></td> </tr> <tr style='font-size:14pt;'> <td>Date :</td> <td>07/03/2009 @ 4:03PM</td> </tr> <tr style='font-size:14pt;border-top:2px solid #e6e8db'> <td>Source :</td> <td>Dow Jones News</td> </tr> <tr style='border-top:2px solid #e6e8dbcolor:#100b69;font-size:12pt;font-family:Arial, Helvetica, sans-serif;'> <td colspan='2' style='color:#1d0fa4;font-size:12pt;font-family:Arial, Helvetica, sans-serif;'><a href='/p.php?pid=register' rel='nofollow'>Click here for ADVFN's up to the minute news service.Access our extensive collection of financial news fromaround the world including US, Europe and Asia.</a></td> </tr> <tr style='font-size:14pt;border-top:2px solid #e6e8db'> <td colspan='2' style='color:#1d0fa4;font-size:12pt;border-top:2px solid #e6e8db;border-bottom:2px solid #e6e8db'> <a href='Javascript:history.back();'><< Back</a></td> </tr></table> </div> <div style="position:relative;top:20px; left:20px;width:310;height:250px;float:left"><iframe allowtransparency="true" style="background-color:transparent;" id='oasissec490' name='oasissec490' src='http://as1.advfn.com/oasis/oasisi-i.php?s=490&w=300&h=250&ord=1283609995&t=_blank' width='300' height='250' frameborder='0' border='0' marginwidth='0' marginheight='0' scrolling='no'> <a href='http://as1.advfn.com/oasis/oasisc.php?s=490&w=300&h=250&ord=1283609995&t=_blank' target='_blank' rel='nofollow'> <img src='http://as1.advfn.com/oasis/oasisi.php?s=490&w=300&h=250&ord=1283609995&t=_blank' border='0' width='300' height='250' /> </a></iframe> </div> <div style="clear:both;position:relative;top:20px;left:20px;float:left;width:275px"> </div> <p style="clear:left"> </p></div><div style="position:relative;width:770;font-family:Arial, Helvetica, sans-serif;margin-right:auto;margin-left:auto;text-align:center"><table style="text-align:left" width='100%' cellpadding='0' cellspacing='0'> <tr><td align='center'><h2 style='font-size:110%;margin:0;padding:0'>TALK BACK:Annual Retirement Savings Can't Be Fixed Percentage</h2></td></tr> <tr><td> <SPAN id="intelliTxt"><div class='newsbody'><p> A certified financial planner responds to Kristen McNamara's column "PRACTICE MANAGEMENT: Advisers Step In Amid 401(k) Match Cuts": </p><p> Any financial adviser who recommends a fixed percentage of salary as the needed annual retirement savings amount is not a financial adviser ... or at least not a very good one. </p><p> The required annual savings amount must be calculated! </p><p> The calculated annual savings amount will be based on one's current accrued retirement savings, existence of any employer-provided retirement savings contributions, expected retirement age, the amount of any pension (if applicable), expected Social Security benefit, life expectancy, expected rate of return (both pre- and post-retirement) and whether one wishes the retirement income to increase by inflation each year while in retirement. </p><p> Running this calculation can show an individual or couple who require little or no annual savings all the way to those who would not be able to save enough, even if they saved their entire salary, and all points in between. </p><p> This is a standard part of the Certified Financial Planner course. </p><p> (TALK BACK comments may well be submitted by readers who have a financial interest in the securities that are being discussed.) </p><p> (TALK BACK: We invite readers to send us comments on this or other financial news topics. Please email us at TalkbackAmericas@dowjones.com. Readers should include their full names, work or home addresses and telephone numbers for verification purposes. We reserve the right to edit and publish your comments along with your name; we reserve the right not to publish reader comments. Talk Back comments can be found under the N/TLK code.) </p><p> Here is the original column: </p><p> PRACTICE MANAGEMENT: Advisers Step In Amid 401(k) Match Cuts </p><pre> By Kristen McNamara A DOW JONES NEWSWIRES COLUMN </pre><p> NEW YORK (Dow Jones)--Financial advisers are stepping in when companies stop matching 401(k) retirement plan contributions. </p><p> They're encouraging clients to continue saving and, in some cases, they're taking a second look at the types of retirement accounts clients are using. </p><p> More than a quarter of U.S. companies have modified, or intend to modify, the matching contribution feature in their 401(k) plans this year, according to a recent Grant Thornton survey of more than 280 companies. Two-thirds of those respondents said they will eliminate the match entirely, and nearly a quarter plan to reduce - but not completely eliminate - their matching contribution. Roughly one in 10 plan to increase their match. </p><p> "When they take the match off the table, it's a whole different ballgame," says Charles Bennett Sachs, a certified financial planner at wealth management firm Evensky & Katz. </p><p> That's because financial advisers have long advised clients to contribute at least enough to their company-sponsored retirement plan to capture any matching contributions - which is essentially free money. </p><p> Without the match, investors need to look more closely at their specific situation, including their projected tax exposure, and decide whether they need to adjust their retirement savings strategy. </p><p> Before worrying about where to save, however, investors should focus on how much they save. Stuart Ritter, a certified financial planner with T. Rowe Price, reminds workers they need to increase their retirement contributions if their company suspends its match. </p><p> T. Rowe Price suggests workers put aside 15% of their income for retirement. So if an employee had been contributing 12% and her employer kicked in 3%, the employee will need to make up that difference. To be sure, this can be a challenge for workers worried about layoffs and focused on building up their emergency savings accounts. </p><p> If a company offers a Roth account within a 401(k) retirement plan, Ritter suggests employees make the maximum contribution to that account, whether or not their company matches a portion of their contributions. Roth contributions are taxed as ordinary income but withdrawals are tax-free after age 59 and 1/2 from accounts held at least five years. </p><p> This arrangement could benefit those who expect to be in a higher tax bracket at retirement or believe overall tax rates will increase. </p><p> An individual under age 50 can contribute a combined maximum of $16,500 this year to Roth and traditional 401(k) accounts. The limit is $22,000 for individuals over 50. </p><p> Those who can salt away more money after reaching the 401(k) contribution ceiling can then contribute to an individual retirement account. </p><p> An individual with a modified adjusted gross income below $120,000 can contribute to a Roth IRA. The income limit is $176,000 for married couples who file joint tax returns. </p><p> Contributing to a Roth IRA before a company-sponsored retirement plan can make sense for eligible workers whose employers have stopped matching contributions and who expect to face higher tax rates in the future, advisers say. </p><p> "For many people, the Roth treatment of their savings will give them more spendable income in retirement," Ritter says. </p><p> For employees whose matches have been cut and who don't have a Roth option, contributing to a company-sponsored retirement plan and then to a traditional IRA continues to make sense, advisers say. Withdrawals, rather than contributions, are taxed on these accounts. </p><p> Individuals under age 50 can contribute a combined total of $5,000 to a traditional or Roth IRA, while older workers can sock away $6,000. That's not enough to secure a comfortable retirement so contributing to a company-sponsored plan remains important. </p><p> (Kristen McNamara writes Practice Management, a column that looks at ways financial advisers can build and improve their business. She can be reached at 212-416-2238 or by email at kristen.mcnamara@dowjones.com.) </p><pre> </pre><pre> </pre></div> </SPAN> </td></tr></table></div> <script language='javascript'> document.writeln("<style>#bookmarks img{margin:2px 0 0 5px}</style><div id='bookmarks' style='margin:5px 0 0 0;width:500px;border:1px solid #e6e8db;background:#eee;text-align:left;padding:5px;font-family:arial,sans-serif,helvetica'><p style='float:left;margin:0;padding:3px 0 0 5px;font-weight:bold'>Bookmark With :</p>"); document.writeln("<a rel=\"nofollow\" href=\"http://www.facebook.com/\" onclick=\"window.open('http://www.facebook.com/sharer.php?u='+encodeURIComponent('http://www.advfn.com/news_TALK-BACK-Annual-Retirement-Savings-Cant-Be-Fixed-Percentage_38519666.html')+'&t='+encodeURIComponent(document.title));return false;\" title=\"Facebook\"><img src=\"http://images.advfn.com/imagesnew/2/gb/socialbookmarks/facebook.png\" alt=\"Facebook\" border=\"0\"></a>"); document.writeln("<a rel=\"nofollow\" href=\"http://www.myspace.com/\" onclick=\"window.open('http://www.myspace.com/Modules/PostTo/Pages/?u='+encodeURIComponent('http://www.advfn.com/news_TALK-BACK-Annual-Retirement-Savings-Cant-Be-Fixed-Percentage_38519666.html')+'&t='+encodeURIComponent(document.title))+'&c=';return false;\" title=\"MySpace\"> <img src=\"http://images.advfn.com/imagesnew/2/gb/socialbookmarks/myspace.png\" alt=\"MySpace\" border=\"0\"></a>"); 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