About
Secure your retirement with our free online session on IRAs and 401(k)s. You’ll learn practical ways to grow your savings, take advantage of tax breaks, and make confident choices with these important accounts.

Are you making the most of your IRA or 401(k)? We’ll cover how to get the most from your contributions, what to know about rollovers, and how to steer clear of costly penalties. You’ll also see the key differences between traditional and Roth accounts so you can decide what works best for your goals.

Protect your savings and stretch your income. Find out how to manage your accounts wisely, cut down on taxes, and plan ahead for required minimum distributions (RMDs) so more of your money stays with you.

Hosted by James F. Locke Jr., this easy-to-follow session gives you clear steps and real guidance to help you plan with confidence.

Save your seat today and take control of your money management in retirement.
When
Saturday, May 9, 2026 · 10:00 a.m. Eastern Time (US & Canada) (GMT -4:00)
Agenda
  • Taking money out too soon: What happens if you dip into your IRA or 401(k) early, and how to avoid the costly penalties.
  • Putting in too much: How to fix extra contributions and keep from getting hit with fees.
  • Missing RMDs: What to do if you miss a Required Minimum Distribution and how to get back on track.
  • Inherited accounts: The taxes your loved ones could face when inheriting an IRA or 401(k), plus ways to lessen the burden.
  • Keeping beneficiaries updated: Why it’s risky to let old information sit on your accounts and how to make sure the right people are listed.
Presenter
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James F. Locke Jr.
Financial Advisor
James has been in the financial industry for over 20 years. He has spent the last 15 years focusing on the institutional side of the investment business. His dealings with a wide variety of investment managers, from multibillion-dollar firms to small one-man operations, have exposed James to a wide variety of investment products and offerings. Prior to his institutional experience, James held a seat on the Philadelphia Stock Exchange for seven years, where he was an independent options trading specialist in multiple equity products, as well as equity index products.

James received his BS in Business Administration from Villanova University. He and his two children, Rose and James, are avid skiers/snowboarders during winter and can be found boogie boarding throughout the summer at the Delaware State Parks. Spending time with family, and friends, both old and new, is always at the top of James’ activity list.
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