--- title: 4Thought Financial Group Resources | Retirement description: Retirement | 4Thought Financial Group Resources --- [![4thought_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ## 4Thought Investing Resources ## 4Thought Investing Resources [Financial News](https://www.4tfg.com/resources/) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) # **Retirement Resources** SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Retirement](https://www.4tfg.com/resources/topic/retirement) ,[Financial Professionals](https://www.4tfg.com/resources/topic/financial-professionals) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Performance](https://www.4tfg.com/resources/topic/performance) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ## [The SECURE ACT, Qualified Plan Updates, Judy Lynch VP LIEBG / 4Thought Financial Group](https://www.4tfg.com/resources/the-secure-act-qualified-plan-updates-judy-lynch-vp-liebg-4thought-financial-group) In this video Judy Lynch, QPA QKC, Vice President of Long Island Employee Benefits Group presents the recent changes in the regulation of Employer-Sponsored ERISA Retirement Plans related to the SECURE Act. This is important information for any employer, accountant, or financial services professional to be aware of. If you offer your employees a 401k, profit sharing plan, or pension through your business and you’re not familiar with the SECURE Act’s changes, this video is well worth watching. Please reach out to us at 4Thought with any questions or for help with your retirement plan. \[fa icon="calendar'\] Sep 2, 2020, 12:30:00 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) [Read More](https://www.4tfg.com/resources/the-secure-act-qualified-plan-updates-judy-lynch-vp-liebg-4thought-financial-group) [Financial News](https://www.4tfg.com/resources) ,[Retirement](https://www.4tfg.com/resources/topic/retirement) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [If Your Retirement Plan Is Out Of Date Or In Non‑Compliance, You Are At Risk.](https://www.4tfg.com/resources/if-your-retirement-plan-is-out-of-date-or-in-non-compliance-you-are-at-risk) Recent and anticipated changes to the U.S. Department of Labor’s Fiduciary Rule and potential new SEC rules may mandate new compliance requirements for retirement plan services sponsors and providers. If your retirement plan is out of date or in non-compliance, then you are at risk. \[fa icon="calendar'\] Jul 16, 2018, 11:05:00 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) Saving enough money to live comfortably during retirement is a chief concern among countless Americans. For so many, retirement plan services provided by plan sponsor employers, unions, or other professional bodies maintain this critical financial lifeline, often via a 401(k). [Read More](https://www.4tfg.com/resources/if-your-retirement-plan-is-out-of-date-or-in-non-compliance-you-are-at-risk) [Financial News](https://www.4tfg.com/resources) ,[Retirement](https://www.4tfg.com/resources/topic/retirement) ## [401k Rollover Today, Comfortable Retirement Tomorrow](https://www.4tfg.com/resources/401k-rollover-today-comfortable-retirement-tomorrow) A 401k rollover should not be a challenge. Learn how 4Thought Financial helps you implement a low-cost, high impact retirement option. \[fa icon="calendar'\] Dec 29, 2016, 2:31:07 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) Rolling over your 401k today can help move you towards a more comfortable retirement tomorrow.  Leaving your 401k unattended can not only jeopardize your retirement, but also ensures that you miss out on various market opportunities.  Besides that, rolling over your [401k](https://www.irs.gov/retirement-plans/401k-plans) gives you more control over your investments. [Read More](https://www.4tfg.com/resources/401k-rollover-today-comfortable-retirement-tomorrow) [Financial News](https://www.4tfg.com/resources) ,[Retirement](https://www.4tfg.com/resources/topic/retirement) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ## [Investing For Retirement Should Not Cost Your Retirement](https://www.4tfg.com/resources/investing-for-retirement-should-not-cost-your-retirement) You deserve to retire comfortably. With 4Thought Financial, investors can enjoy quality low cost investment options. \[fa icon="calendar'\] Dec 19, 2016, 1:14:17 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) When investing for retirement, investment fees should not total a significant portion of your retirement portfolio.  [Fees assessed on qualified retirement plans](http://assets.aarp.org/rgcenter/econ/401k-fees-awareness-11.pdf) add up, especially for plans for smaller employers.  The 401k and the Individual Retirement Account (IRA) have become the retirement savings vehicles of choice, but these accounts all charge fees or other expenses that eat into returns. [Read More](https://www.4tfg.com/resources/investing-for-retirement-should-not-cost-your-retirement) [Financial News](https://www.4tfg.com/resources) ,[Retirement](https://www.4tfg.com/resources/topic/retirement) ,[Financial Professionals](https://www.4tfg.com/resources/topic/financial-professionals) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Pro Tips](https://www.4tfg.com/resources/topic/pro-tips) ## [Have A Difficult Conversation Now to Optimize Transfer of Wealth](https://www.4tfg.com/resources/have-a-difficult-conversation-now-to-optimize-transfer-of-wealth-cpas) Properly identifying assets and goals helps CPAs have an easier time with estate planning, along with having the appropriate products and strategies to help. \[fa icon="calendar'\] Jun 16, 2016, 10:56:18 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) The subject of what to do with assets after retirement or death is an understandably difficult topic to address. Upset family members, lost documents and the absence of the grantor after death are among some of the difficulties that tax professionals face. But the ultimate difficulty lies in having the conversation in the first place. [Read More](https://www.4tfg.com/resources/have-a-difficult-conversation-now-to-optimize-transfer-of-wealth-cpas) [All posts](https://www.4tfg.com/resources/all) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **What Type of Investor Are You?** You have unique investment goals. We have a unique investment methodology. Take our questionnaire to see how our Multi-Method Investing® approach can help you better meet your financial goals. [Launch Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ### Resource Topics [Financial News](https://www.4tfg.com/resources) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing)[Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals) [Frequently Asked Questions](https://www.4tfg.com/faq/) [Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) ### Recent Articles [--- ![Bear-Bull-Wolf-Eagle-Market-Icons](https://www.4tfg.com/hs-fs/hubfs/Bear-Bull-Wolf-Eagle-Market-Icons.png?width=600&name=Bear-Bull-Wolf-Eagle-Market-Icons.png)](https://www.4tfg.com/bear-bull-wolf-eagle-markets) - [Call 1-516-300-1617](tel:+15163001617) - [Email info@4tfg.com](mailto:info@4tfg.com) - ABOUT 4THOUGHT [Investment Philosophy](https://www.4tfg.com/investment-methodology) [Management Team](https://www.4tfg.com/management) [In the Media](https://www.4tfg.com/media) [Sign Up](https://www.4tfg.com/sign-up)[Contact](https://www.4tfg.com/contact) SERVICES [Private Individual Investing](https://www.4tfg.com/investing) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) [Services for CPAs](https://www.4tfg.com/cpa-investing-services) [Private Wealth Management](https://www.4tfg.com/wealth-management) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) RESOURCES [Financial News](https://www.4tfg.com/resources) [Investment Performance](https://www.4tfg.com/performance-requests) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education) About 4Thought [Investment Philosophy](https://www.4tfg.com/investment-methodology) [Management Team](https://www.4tfg.com/management) [In the Media](https://www.4tfg.com/media)[Contact](https://www.4tfg.com/contact) Services [Private Individual Investing](https://www.4tfg.com/investing) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) [Services for CPAs](https://www.4tfg.com/cpa-investing-services) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) [Private Wealth Management](https://www.4tfg.com/wealth-management) Resources [Financial News](https://www.4tfg.com/resources/) [Investment Performance](https://www.4tfg.com/investment-performance-services) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education) [Investing Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png "4Thought Financial Group") The information provided by 4Thought is educational only and is not to be interpreted or construed as investment or tax advice. © 2026 4Thought Financial Group Inc. Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf) [Disclosure](https://www.4tfg.com/disclosure) [BrokerCheck](http://brokercheck.finra.org/) Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. Disclaimer [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf) [Disclosure](https://www.4tfg.com/disclosure) [BrokerCheck](http://brokercheck.finra.org/) Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [https://www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "Syosset", "addressRegion" : "New York", "postalCode" : "11791", "streetAddress" : "6851 Jericho Turnpike Suite 120" }, "alternateName" : "4 Thought Financial Group", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "latitude" : "+40.8100713", "longitude" : "-73.5172286" }, "geoRadius" : "150 km" }, "description" : "Retirement | 4Thought Financial Group Resources", "email" : "[GDelorenzo@ClearHorizonGroup.Com, info@4tfg.com, no-reply@4tfg.com]", "image" : "https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.jpg", "logo" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png", "naics" : "523920", "name" : "4Thought Financial Group", "sameAs" : [ "https://www.facebook.com/4ThoughtFinancialGroup", "https://www.linkedin.com/company/3043702", "https://www.youtube.com/channel/UCEHRK-25mAwfTlNzdvFSN3g", "http://investment-advisors.credio.com/l/39493/4thought-Financial-Group-Inc" ], "telephone" : "516-300-1617", "url" : "http://www.4tfg.com" } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "4Thought Financial Group" }, "dateModified" : "October 1, 2024, 12:00:00 PM", "datePublished" : "1970-01-01 00:00:00", "description" : "Retirement | 4Thought Financial Group Resources", "headline" : "Resources", "image" : { "@type" : "ImageObject", "url" : "" }, "mainEntityOfPage" : { "@id" : "https://www.4tfg.com/resources/topic/retirement", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png" }, "name" : "4Thought Financial Group" } } ```