Making the Most of your Merck 401(k): How the Spillover Election and Automatic Roth Conversion Work Together By Jim McGowan, CFP® For Merck employees, understanding the details of your 401(k)…
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How Interest Rates Impact Your Merck Lump Sum Pension Payout By Jim McGowan, CFP® Thinking about taking your Merck pension as a lump sum? Before you lock in that decision,…
Here’s the truth: Nobody wakes up excited to build a retirement plan. 𝗕𝘂𝘁 𝗵𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝗽𝗲𝗼𝗽𝗹𝗲 𝗱𝗼 𝗰𝗮𝗿𝗲 𝗮𝗯𝗼𝘂𝘁: ✅ Not being a burden on their kids ✅ Avoiding the…
Roth Conversions: Smart Planning or Tax Trap? By Jim McGowan, CFP®| Apollon Financial “Should I Do a Roth Conversion?” That’s a common question I hear from so many people, especially…
Merck Pension: Should You Take the Lump Sum or Monthly Annuity? By Jim McGowan, CFP®| Apollon Financial ✅ Lump Sum: Flexibility with Responsibility Pros: Control & Flexibility: You have…
What Every Merck Employee Should Know About Your Pension By Jim McGowan, CFP® INTRODUCTION As a Merck employee, your pension is a significant piece of your retirement picture. Yet with…
Five years ago, I was interviewed on NBC Morning News during one of the most turbulent times in modern history. The pandemic was disrupting lives, rattling markets, and challenging even…
Merck Announces Major Reorganization According to Merck, CEO Rob Davis recently shared plans for a multiyear “optimization initiative,” aiming to reallocate $3 billion in annual resources by 2027. The goal?…
Pre-Tax vs. Roth 401(k): Same Growth, Different Path By Jim McGowan, CFP®| Apollon Financial If you’ve ever wondered whether a pre-tax or Roth 401(k) is better for your retirement, you’re…
When most people hear “retirement planning,” they think about one thing—saving enough. But real retirement planning is so much more than setting a number. It’s about aligning your finances with…