The days are long gone when someone goes to work for a company in his or her twenties, spends thirty to forty years with that company, and then retires with a nice pension and a gold watch. Since the advent of the 401(k) plan in 1974, we have seen companies increasingly shift the burden of planning and saving for retirement to their employees. Over the next ten to fifteen years, many will still retire with some form of a pension plan, but the trend toward retirement plans funded primarily by the employee is likely to continue. Many companies make matching contributions to employees’ retirement savings plans, and some are quite generous. But in most cases it is still the responsibility of the employee to make the greater share of the annual contribution and to make the investment decisions. The IRA Specialists can help. Another growing phenomenon is that most people will change companies—and sometimes careers—multiple times during their working years. As a result, there can be many times during your working years when you will need guidance as to whether to leave your retirement plan with a former employer or roll that money into the new employer’s plan or into your own IRA. The IRA Specialists can help. Securities offered through LPL Financial, Member FINRA www.FINRA.org /SIPC www.SIPC.org. Investment Advisory Services are offered through Householder Group Estate and Retirement Specialists LLC., dba, The IRA Specialists, Inc., a Registered Investment Advisor and separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The LPL Financial registered representatives associated with this page may only discuss and/or transact business with residents of the following states: CO, AZ, AK, DE, GA, FL , IA, MT, TN, TX