Protect Your Retirement Savings Without Your Employer's Help

If contributions do not resume when times are good again, then start looking for a new job. Unless working for a startup, I say no worker should stick by an employer that contributes nothing to their retirement. Vote with your feet when there's a better destination you can reach.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.

David McPherson is founder and principal of Four Ponds Financial Planning in Falmouth, Mass. He previously worked as a financial writer and editor for The Providence Journal in Rhode Island. He is a member of the Garrett Planning Network, whose members provide financial advice to clients on an hourly, as-needed basis. Contact McPherson at david@fourpondsfinancial.com.

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