Beginning in 2015, IRA owners will no longer be able to complete more than one 60-day rollover in a 12-month period, regardless of the number of IRAs they own. BUT the one-rollover-per-12-month rule does not apply to rollovers between an IRA and a qualified retirement plan (e.g., 401(k), profit sharing, defined benefit, 403(b) plan, etc.) or vice versa. Details here.

When discussing enrolling in a retirement plan, it's incredibly important to speak in terms that will resonate with everyone in the room. Without universal appeal, you risk being a roadblock to someone's retirement. 

"Let's put it this way: if employment is a product, then what would the candidate want to buy?" said Juan Pablo Gonzalez, who works with companies to design compensation packages, among many other things, at Axiom Consulting Partners. He may have implied at a dinner party that a match or a retirement plan may not be the best investment for an employer's dollar...and I may have been mildly offended at first!

So... where exactly does your retirement plan fit in? That's at the heart of our consulting practice. Is the plan doing what it's designed to do for you -- or, back up one step -- what's it supposed to do??

Surely you've heard that you eat an elephant one bite at a time, meaning that you have to attack a large problem in small, systematic increments. 

I'm a fan of James Clear, who writes about science-based ideas for mastering your habits and living an optimal life. It's part of my "if I can only harness my habits" obsession of late. He wrote a great post called How to Stop Procrastinating by Using the “2-Minute Rule” and it totally hits home when it comes to retirement.

Ever been asked for advice? Of course you have. Happens a lot. Ever had someone not take it because they say it won’t work, or worse, “take” your advice, not actually follow what you said, and then proudly proclaim that you were wrong and responsible for their failure?