---
title: Some Changes Are Coming for 401(k)s
description: Some notable developments are about to impact 401(k) plans. They follow a major change that became effective in 2018.
image: https://blog.creekmurwealth.com/hubfs/401k-changes-edit.jpg
---
- [Reserve A Consultation](https://creekmurwealth.com/contact-us/)
- Client Access
- [Client Access](https://creekmurwealth.com/client-access/)
- [Legacy Club](https://creekmurwealth.com/ambassador-program/)
- [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)
[](https://creekmurwealth.com)
- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/locations/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Join Our Team](https://content.creekmurwealth.com/join-our-team-0)
- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/true-wealth-process/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Client Access](https://creekmurwealth.com/true-wealth-process/#)
- [Client Access](https://creekmurwealth.com/client-access/)
- [Legacy Club](https://creekmurwealth.com/ambassador-program/)
- [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)
## Educate, Encourage, Empower
# Some Changes Are Coming for 401(k)s
Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 10:00 AM on December 18, 2018
Take note of them for 2019
**Some notable developments are about to impact 401(k) plans.** They follow a major change that became effective in 2018. Thanks to the Tax Cuts & Jobs Act, workers who borrow from 401(k) accounts and leave their jobs now have until October of the following year to repay plan loans.1
**The Internal Revenue Service has eased the rules on 401(k) hardship distributions.** Plan participants who arranged such withdrawals in 2018 (and years prior) paid an opportunity cost. The Internal Revenue Code barred these employees from making periodic contributions to their 401(k) accounts for six months after the withdrawal, and it also prevented them from exercising any stock options for that length of time.2
In 2019, some flexibility enters the picture. The Bipartisan Budget Act of 2018 (passed in February) allows plan sponsors to remove both of those restrictions in 2019, if they wish.2
Some fine print worth noting: the BBA also permits plan sponsors to give employees more sources for hardship withdrawals. In 2019, plan participants may take hardship distributions from their 401(k) account earnings, qualified non-elective employer contributions (QNECs), and qualified matching contributions (QMACs) in addition to elective deferral contributions, discretionary employer profit-sharing contributions, regular matching contributions, and earnings on contributions made before December 31, 1988.2
In 2018 and years prior, a plan participant could only take a hardship distribution after taking a loan from his or her 401(k) account. Next year, plan sponsors can waive this requirement, if they choose, and let their employees take hardship withdrawals from 401(k)s without a loan first.2
In addition, plan sponsors may let victims of California wildfires make special hardship withdrawals. An individual who suffered economic losses due to the massive fires in the Golden State (and whose principal residence is in a California wildfire disaster area) may take qualified wildfire distributions of up to $100,000 from a 401(k) through December 31, 2018. The money withdrawn is fully taxable, but the withdrawal is not subject to a 10% early withdrawal penalty. The amount withdrawn can also be recontributed to the plan within three years of the distribution. This type of hardship withdrawal may be permitted immediately; the plan sponsor has until the last day of the first plan year, beginning on or after January 1, 2019, to revise the plan documents to denote the new terms.2
**What do these rule changes mean for companies sponsoring 401(k) plans?** The message is clear. Review your plan documents and hardship withdrawal guidelines before 2019 begins, and decide whether you want to include these provisions.
**Lastly, annual contribution limits for 401(k) accounts are rising.** An employee can put up to $19,000 into a 401(k) in 2019, up from $18,500 in 2018. The annual limit on “catch-up” contributions, allowed for plan participants aged 50 or older, remains at $6,000.3
**Creekmur Wealth Advisors may be reached at 309-925-2043 or [Info@CreekmurWealth.com](mailto:Info@CreekmurWealth.com).**
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Citations.
1 - [forbes.com/sites/ashleaebeling/2018/01/16/new-tax-law-liberalizes-401k-loan-repayment-rules/](http://forbes.com/sites/ashleaebeling/2018/01/16/new-tax-law-liberalizes-401k-loan-repayment-rules/) \[1/16/18\]
2 - [pillsburylaw.com/en/news-and-insights/recent-and-upcoming-changes-to-401k-plans.html](http://pillsburylaw.com/en/news-and-insights/recent-and-upcoming-changes-to-401k-plans.html) \[3/8/18\]
3 - [nytimes.com/2018/11/09/your-money/401k-contribution-limits-raised-irs.html](http://nytimes.com/2018/11/09/your-money/401k-contribution-limits-raised-irs.html) \[11/9/18\]
[](https://cta-redirect.hubspot.com/cta/redirect/4906824/b4ee24d8-1061-4f28-9d2a-5c8129c93507)
Search Our Site
### Subscribe Here!
### Recent Posts
### Posts by Tag
- [Financial Planning (109)](https://blog.creekmurwealth.com/blog/tag/financial-planning)
- [Retirement (72)](https://blog.creekmurwealth.com/blog/tag/retirement)
- [Investing (54)](https://blog.creekmurwealth.com/blog/tag/investing)
- [Uncategorized (44)](https://blog.creekmurwealth.com/blog/tag/uncategorized)
- [Planning (27)](https://blog.creekmurwealth.com/blog/tag/planning)
- [Investments (24)](https://blog.creekmurwealth.com/blog/tag/investments)
- [Stock Market (24)](https://blog.creekmurwealth.com/blog/tag/stock-market)
- [market volatility (18)](https://blog.creekmurwealth.com/blog/tag/market-volatility)
- [market risks (17)](https://blog.creekmurwealth.com/blog/tag/market-risks)
- [saving and investing (17)](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)
- [Investments and risk (16)](https://blog.creekmurwealth.com/blog/tag/investments-and-risk)
- [Build True Wealth (15)](https://blog.creekmurwealth.com/blog/tag/build-true-wealth)
- [Certified Financial Planner, CFP (14)](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp)
- [Goals (13)](https://blog.creekmurwealth.com/blog/tag/goals)
- [From John's Desk (11)](https://blog.creekmurwealth.com/blog/tag/from-johns-desk)
- [Investment Portfolio (11)](https://blog.creekmurwealth.com/blog/tag/investment-portfolio)
- [Roth IRA (11)](https://blog.creekmurwealth.com/blog/tag/roth-ira)
- [Life Insurance (10)](https://blog.creekmurwealth.com/blog/tag/life-insurance)
- [Saving (10)](https://blog.creekmurwealth.com/blog/tag/saving)
- [Wealth Management (10)](https://blog.creekmurwealth.com/blog/tag/wealth-management)
- [taxes (10)](https://blog.creekmurwealth.com/blog/tag/taxes)
- [long term objectives (9)](https://blog.creekmurwealth.com/blog/tag/long-term-objectives)
- [IRA (8)](https://blog.creekmurwealth.com/blog/tag/ira)
- [Annuities (7)](https://blog.creekmurwealth.com/blog/tag/annuities)
- [Insurance (7)](https://blog.creekmurwealth.com/blog/tag/insurance)
- [Social Security (7)](https://blog.creekmurwealth.com/blog/tag/social-security)
- [Build Wealth (6)](https://blog.creekmurwealth.com/blog/tag/build-wealth)
- [Retirement Income (6)](https://blog.creekmurwealth.com/blog/tag/retirement-income)
- [Market turbulence (5)](https://blog.creekmurwealth.com/blog/tag/market-turbulence)
- [RetirementRSS (5)](https://blog.creekmurwealth.com/blog/tag/retirementrss)
- [Social Security income (5)](https://blog.creekmurwealth.com/blog/tag/social-security-income)
- [Tax Benefits (5)](https://blog.creekmurwealth.com/blog/tag/tax-benefits)
- [Taxes in Retirment (5)](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment)
- [Tolerating Risk with Investments (5)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk-with-investments)
- [Why is my portfolio not performing? (5)](https://blog.creekmurwealth.com/blog/tag/why-is-my-portfolio-not-performing)
- [403(b) (4)](https://blog.creekmurwealth.com/blog/tag/403b)
- [Claiming Social Security (4)](https://blog.creekmurwealth.com/blog/tag/claiming-social-security)
- [Disability Insurance (4)](https://blog.creekmurwealth.com/blog/tag/disability-insurance)
- [Insurance policies (4)](https://blog.creekmurwealth.com/blog/tag/insurance-policies)
- [Money Matters (4)](https://blog.creekmurwealth.com/blog/tag/money-matters)
- [Roth IRAs (4)](https://blog.creekmurwealth.com/blog/tag/roth-iras)
- [S&P 500 (4)](https://blog.creekmurwealth.com/blog/tag/sp-500)
- [Tax Planning (4)](https://blog.creekmurwealth.com/blog/tag/tax-planning)
- [Wealth Advisor (4)](https://blog.creekmurwealth.com/blog/tag/wealth-advisor)
- [inflation (4)](https://blog.creekmurwealth.com/blog/tag/inflation)
- [small business owner (4)](https://blog.creekmurwealth.com/blog/tag/small-business-owner)
- [tolerating risk (4)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk)
- [401k (3)](https://blog.creekmurwealth.com/blog/tag/401k)
- [Aging (3)](https://blog.creekmurwealth.com/blog/tag/aging)
- [College Planning (3)](https://blog.creekmurwealth.com/blog/tag/college-planning)
- [Details about Medicare (3)](https://blog.creekmurwealth.com/blog/tag/details-about-medicare)
- [Estate Planning (3)](https://blog.creekmurwealth.com/blog/tag/estate-planning)
- [Insurance Risk (3)](https://blog.creekmurwealth.com/blog/tag/insurance-risk)
- [RMD (3)](https://blog.creekmurwealth.com/blog/tag/rmd)
- [RMDs (3)](https://blog.creekmurwealth.com/blog/tag/rmds)
- [Required Minimum Distributions (3)](https://blog.creekmurwealth.com/blog/tag/required-minimum-distributions)
- [Roth Conversions (3)](https://blog.creekmurwealth.com/blog/tag/roth-conversions)
- [Save and invest (3)](https://blog.creekmurwealth.com/blog/tag/save-and-invest)
- [Stay focused on objectives (3)](https://blog.creekmurwealth.com/blog/tag/stay-focused-on-objectives)
- [Taxes and retirees (3)](https://blog.creekmurwealth.com/blog/tag/taxes-and-retirees)
- [Working Women (3)](https://blog.creekmurwealth.com/blog/tag/working-women)
- [emotions in investing (3)](https://blog.creekmurwealth.com/blog/tag/emotions-in-investing)
- [financial legacy (3)](https://blog.creekmurwealth.com/blog/tag/financial-legacy)
- [small business (3)](https://blog.creekmurwealth.com/blog/tag/small-business)
- [Budgeting (2)](https://blog.creekmurwealth.com/blog/tag/budgeting)
- [FAFSA (2)](https://blog.creekmurwealth.com/blog/tag/fafsa)
- [Financial Freedom (2)](https://blog.creekmurwealth.com/blog/tag/financial-freedom)
- [Invest (2)](https://blog.creekmurwealth.com/blog/tag/invest)
- [Investment Advisor (2)](https://blog.creekmurwealth.com/blog/tag/investment-advisor)
- [Leaving a Legacy (2)](https://blog.creekmurwealth.com/blog/tag/leaving-a-legacy)
- [Medicare Enrollment (2)](https://blog.creekmurwealth.com/blog/tag/medicare-enrollment)
- [Medicare Parts A & B (2)](https://blog.creekmurwealth.com/blog/tag/medicare-parts-a-b)
- [Money (2)](https://blog.creekmurwealth.com/blog/tag/money)
- [Newlyweds (2)](https://blog.creekmurwealth.com/blog/tag/newlyweds)
- [Power of Attorney (2)](https://blog.creekmurwealth.com/blog/tag/power-of-attorney)
- [Stagflation (2)](https://blog.creekmurwealth.com/blog/tag/stagflation)
- [Staying out of debt (2)](https://blog.creekmurwealth.com/blog/tag/staying-out-of-debt)
- [Surviving Spouse (2)](https://blog.creekmurwealth.com/blog/tag/surviving-spouse)
- [Tax Forms (2)](https://blog.creekmurwealth.com/blog/tag/tax-forms)
- [Tax on Social Security Income (2)](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income)
- [Tax withholding (2)](https://blog.creekmurwealth.com/blog/tag/tax-withholding)
- [Widow (2)](https://blog.creekmurwealth.com/blog/tag/widow)
- [charitable IRA gift (2)](https://blog.creekmurwealth.com/blog/tag/charitable-ira-gift)
- [economy (2)](https://blog.creekmurwealth.com/blog/tag/economy)
- [long-term care (2)](https://blog.creekmurwealth.com/blog/tag/long-term-care)
- [tax deferred growth (2)](https://blog.creekmurwealth.com/blog/tag/tax-deferred-growth)
- [401ks (1)](https://blog.creekmurwealth.com/blog/tag/401ks)
- [529 Plan (1)](https://blog.creekmurwealth.com/blog/tag/529-plan)
- [Baby boomers should think about these (1)](https://blog.creekmurwealth.com/blog/tag/baby-boomers-should-think-about-these)
- [Credit Card use (1)](https://blog.creekmurwealth.com/blog/tag/credit-card-use)
- [Credit for Elderly or Disabled (1)](https://blog.creekmurwealth.com/blog/tag/credit-for-elderly-or-disabled)
- [Digital Assets (1)](https://blog.creekmurwealth.com/blog/tag/digital-assets)
- [Digital Profile (1)](https://blog.creekmurwealth.com/blog/tag/digital-profile)
- [Diversify Portfolio (1)](https://blog.creekmurwealth.com/blog/tag/diversify-portfolio)
- [Effects Credit History (1)](https://blog.creekmurwealth.com/blog/tag/effects-credit-history)
- [Elder Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-abuse)
- [Elder Financial Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-financial-abuse)
- [Eldercare needs (1)](https://blog.creekmurwealth.com/blog/tag/eldercare-needs)
- [Estate Plan (1)](https://blog.creekmurwealth.com/blog/tag/estate-plan)
- [FAFSA app (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-app)
- [FAFSA apply by phone (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-apply-by-phone)
- [Family Legacy (1)](https://blog.creekmurwealth.com/blog/tag/family-legacy)
- [Filling out FAFSA (1)](https://blog.creekmurwealth.com/blog/tag/filling-out-fafsa)
- [Financial Elder abuse (1)](https://blog.creekmurwealth.com/blog/tag/financial-elder-abuse)
- [Financial Scams (1)](https://blog.creekmurwealth.com/blog/tag/financial-scams)
- [Financially Skeptical (1)](https://blog.creekmurwealth.com/blog/tag/financially-skeptical)
- [Form 1099 (1)](https://blog.creekmurwealth.com/blog/tag/form-1099)
- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
- [Good Credit (1)](https://blog.creekmurwealth.com/blog/tag/good-credit)
- [Grandkids (1)](https://blog.creekmurwealth.com/blog/tag/grandkids)
- [Grandparents day (1)](https://blog.creekmurwealth.com/blog/tag/grandparents-day)
- [Homeowners (1)](https://blog.creekmurwealth.com/blog/tag/homeowners)
- [Inheritance (1)](https://blog.creekmurwealth.com/blog/tag/inheritance)
- [Legacy Assets (1)](https://blog.creekmurwealth.com/blog/tag/legacy-assets)
- [Legacy Planning (1)](https://blog.creekmurwealth.com/blog/tag/legacy-planning)
- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
- [Marriage (1)](https://blog.creekmurwealth.com/blog/tag/marriage)
- [Medigap insurance (1)](https://blog.creekmurwealth.com/blog/tag/medigap-insurance)
- [Medigap policy (1)](https://blog.creekmurwealth.com/blog/tag/medigap-policy)
- [Memory Disorders (1)](https://blog.creekmurwealth.com/blog/tag/memory-disorders)
- [Millennials time to save (1)](https://blog.creekmurwealth.com/blog/tag/millennials-time-to-save)
- [Misconceptions about Medicare coverage (1)](https://blog.creekmurwealth.com/blog/tag/misconceptions-about-medicare-coverage)
- [News (1)](https://blog.creekmurwealth.com/blog/tag/news)
- [Privacy Protection (1)](https://blog.creekmurwealth.com/blog/tag/privacy-protection)
- [Roth 401k vs 401k (1)](https://blog.creekmurwealth.com/blog/tag/roth-401k-vs-401k)
- [Save (1)](https://blog.creekmurwealth.com/blog/tag/save)
- [Simple Retirement (1)](https://blog.creekmurwealth.com/blog/tag/simple-retirement)
- [Snowball effect (1)](https://blog.creekmurwealth.com/blog/tag/snowball-effect)
- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
- [Successive Investment (1)](https://blog.creekmurwealth.com/blog/tag/successive-investment)
- [Tariffs (1)](https://blog.creekmurwealth.com/blog/tag/tariffs)
- [Tax defferred growth (1)](https://blog.creekmurwealth.com/blog/tag/tax-defferred-growth)
- [Teachers savings plan (1)](https://blog.creekmurwealth.com/blog/tag/teachers-savings-plan)
- [Team Approach (1)](https://blog.creekmurwealth.com/blog/tag/team-approach)
- [Trusted Contact (1)](https://blog.creekmurwealth.com/blog/tag/trusted-contact)
- [UFADDA (1)](https://blog.creekmurwealth.com/blog/tag/ufadda)
- [UTMA account (1)](https://blog.creekmurwealth.com/blog/tag/utma-account)
- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
#### Quick Links
- [Client Access](https://creekmurwealth.com/client-access/)
- [Reserve a Consultation](https://creekmurwealth.com/contact-us/)
- [Events](https://creekmurwealth.com/events/)
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
#### [Advisor Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [John Creekmur, CFP®](https://creekmurwealth.com/advisor/john-creekmur-cfp/)
- [Drew Creekmur, MSPFP](https://creekmurwealth.com/advisor/drew-creekmur-mspfp/)
- [Andy Anderson, CFP®](https://creekmurwealth.com/advisor/andy-anderson-cfp/)
- [Connor Creekmur, MBA](https://creekmurwealth.com/advisor/connor-creekmur/)
- [Andrew Pisel](https://creekmurwealth.com/advisor/andrew-pisel/)
- [Nicole Geraci, CFP®, AWMA®](https://creekmurwealth.com/advisor/nicole-geraci/)
- [Clark D. Randall, CFP®](https://creekmurwealth.com/advisor/clark-d-randall-cfp/)
- [Neal Woollard](https://creekmurwealth.com/advisor/neal-woollard/)
- [James Ferguson](https://creekmurwealth.com/advisor/james-ferguson/)
- [Nathan Mumme](https://creekmurwealth.com/advisor/nathan-mumme/)
- [Ryan Hauter](https://creekmurwealth.com/advisor/ryan-hauter/)
- [Emily Elfallah, CEPA](https://creekmurwealth.com/advisor/emily-elfallah-cepa/)
- [Maddi White, CEPA](https://creekmurwealth.com/advisor/maddi-white-cepa/)
- [Brian Bowen, CEPA](https://creekmurwealth.com/advisor/brian-bowen-cepa/)
#### [Locations](https://creekmurwealth.com/locations/)
- [Morton, IL](https://creekmurwealth.com/location/morton-il/)
- [Bourbonnais, IL](https://creekmurwealth.com/location/bourbonnais-il/)
- [Bloomington, IL](https://creekmurwealth.com/location/bloomington-il/)
- [Avon, CO](https://creekmurwealth.com/location/avon-co/)
- [Dallas, TX](https://creekmurwealth.com/location/dallas-texas/)
- [Maumee, OH](https://creekmurwealth.com/location/maumee-oh/)
- [Littleton, CO](https://creekmurwealth.com/location/littleton-co/)
- [Roanoke, VA](https://creekmurwealth.com/location/roanoke-va/)
- [facebook](https://www.facebook.com/CreekmurWealth)
- [linkedin](https://www.linkedin.com/company/creekmur-wealth-advisors/)
- [youtube](https://www.youtube.com/channel/UCo1yCnWNzE9d0QKXHferjog/)
- [instagram](https://www.instagram.com/creekmurwealth/)
© 2026 Creekmur Wealth Advisors. All Rights Reserved. | [Client Relationship Summary](https://creekmurwealth.com/wp-content/uploads/2025/03/Client-Relationship-Summary-Form-CRS-March-2025.pdf) | [Creekmur Asset Management Form ADV & Wrap Fee Program Brochure](https://creekmurwealth.com/wp-content/uploads/2025/03/Creekmur-Asset-Management-LLC-Form-ADV-Wrap-Fee-Brocuhure-February-2025.pdf) | [Consumer Privacy Policy](https://creekmurwealth.com/wp-content/uploads/2020/08/Creekmur-Consumer-Privacy-Policy-072020-02.pdf) | [Web Privacy Policy](https://creekmurwealth.com/privacy-policy/) | [Terms of Use](https://creekmurwealth.com/terms-of-use/) | [Disclaimer](https://creekmurwealth.com/disclaimer/) | [Podcast Disclosure](https://creekmurwealth.com/podcast-disclosure/)
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "Creekmur Staff",
"url" : "https://blog.creekmurwealth.com/blog/author/creekmur-staff"
},
"dateModified" : "2019-02-26T21:03:33.318Z",
"datePublished" : "2018-12-18T16:00:00.000Z",
"headline" : "Some Changes Are Coming for 401(k)s",
"image" : [ "https://blog.creekmurwealth.com/hubfs/401k-changes-edit.jpg" ],
"mainEntityOfPage" : {
"@id" : "https://blog.creekmurwealth.com/blog/some-changes-are-coming-for-401ks",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://blog.creekmurwealth.com/hubfs/Creekmur_Logo_Horizontal_Color-2.png"
},
"name" : "Creekmur Wealth Advisors"
}
}
```