Q: My company does not provide a match to our 401(k) plan. Should I still contribute? – Name not given

A: Definitely. Although there is no match, you are still reducing your taxes immediately and saving for retirement. All earnings are tax-deferred, meaning you will not pay taxes on any growth until you begin withdrawing from your account. There are many more benefits to a retirement plan than just the company match, and you are only hindering yourself by not using it. – Jessica Hall

Q: I recently had my adviser take me out of the market against his advice. I am in cash and waiting to go back in. I am still paying a fee and not earning any interest. What can I do?  – R.A., Orlando

A: Speak to your adviser and negotiate the fee if you are going to stay out of the market for any time. Ask him or her to invest in a Prime Money Market that is currently paying more than 2% and has no fees to buy or sell while you wait. – Gregg Collier

Questions are answered by Certified Financial Planners from the Financial Planning Association of Central Florida. Answers are for educational purposes only; you should also consult a financial professional. Questions and answers may be edited for space considerations.