Retirement Articles

  1. Last-Minute Strategies To Help Pay For College

    Find out what to do when your kid is ready for higher education, but you aren't.
  2. Financial Advisors Need To Seek Out This Group NOW

    Millennials are coming into their own economically, so why are financial advisors still reluctant to give them the attention they deserve?
  3. Debunking the 80% Income Replacement Rule

    Take a look at the 80% rule, it suggests that pre-retirees create a savings plan that will replace 80% of their income when they retire.
  4. An Analysis Of Social Security Benefits And Their Future

    Social Security is a significant driver of the US economy--as good a reason as any to make sure you understand it!
  5. Using The Social Security Website To Get Answers

    The Social Security website is full of useful information. To save you time, here's a guide – and links – to finding answers to the most common questions.
  6. Types Of Social Security Benefits

    Social Security isn't just for the retired. It also pays benefits to the disabled, widows and widowers, children, stepchildren, divorced spouses and more.
  7. 3 Ways to Get Social Security Benefits

    Social Security isn't just for retirement. Learn about all three benefits provided by the Social Security Administration: retirement, survivor and disability.
  8. Understanding The Social Security Website

    Go to ssa.gov for all things Social Security. To comply with the Plain Writing Act of 2010, its information was rewritten to make it easier to understand.
  9. Passing Boomers Will Leave A Big Economic Wake

    While baby boomers keep the longevity economy surging, look out for a dark fiscal forecast when it comes to retirement planning and long term medical care.
  10. Who Pays Your Social Security Benefits?

    The short answer is, current earners. Taxes on current wages pay the Social Security benefits of retirees, the disabled, children and other beneficiaries.
  11. 5 Good Reasons To Build A Career In Non-Profits

    There's never been a better time to work in non-profits. The move makes sense at life stages from just starting out to looking for an encore career.
  12. How To Plan For The Charitable Giving Boom

    Of the $58 trillion that will be passed over the next several decades, $26 trillion could go to charity. Here's how to plan for that huge shift.
  13. Will Retirement Be Part of Your Retirement?

    Retirement is changing. The question is how?
  14. As Boomers Slow Down, Will The Economy Follow?

    Many baby boomers are working past 65. Yet as they inevitably retire, effects on workforce participation and consumer spending levels will be profound.
  15. Divorce Over 50: Seven Mistakes to Avoid

    With longer lives and women's greater financial independence, divorces at 50+ are soaring. How to avoid money trouble when you sever ties with your spouse.
  16. Special Trusts For Special Needs

    If you or someone you love has a disability, these trusts can help ease the cost of care.
  17. 5 Things To Ask Before Hiring A Financial Advisor

    Choosing a financial advisor isn't an easy task. Here's a list of the most important things to consider when planning for your financial future.
  18. Retirement Travel: Good And Good For You

    Research shows a big disconnect between how many Americans dream of travel during retirement and who saves enough to fund those trips. Don't miss out!
  19. Top 10 Biggest Retirement Savings Mistakes

    Now that the economy is in recovery, it’s time to begin rebuilding those IRAs and 401(k)s.
  20. Longevity Insurance for a Comfortable Retirement

    Don't face a retirement that goes on long after your money runs out. Longevity insurance guarantees you income once you reach age 85.
  21. Surprising Uses for Trust Funds

    Here are five common situations where a trust fund makes financial sense.
  22. The Employee's Guide To Medicare

    Over 65 and still working? You're eligible to register for Medicare, but should you also opt for your employer's health insurance, if it is offered?
  23. Medigap Vs. Medicare Advantage: Which Is Better?

    To protect against a huge bill for health costs Medicare doesn't cover, you need Medigap insurance or an HMO-like Medicare Advantage plan. How to choose.
  24. Medicare 101: Do You Need All 4 Parts?

    At age 65, most people have to sign up for Medicare. Learn which of its four programs are mandatory – and which you can skip.
  25. How To Find The Financial Advisor Of Your Dreams

    A new startup - essentially a financial matchmaking service - uses video introductions and algorithms to pair financial advisers with clients.
  26. 4 Ways to Maximize Your 401(k)

    Prime your 401(k), 403(b) or other defined contribution plan by using these techniques to boost your average rate of return.
  27. 5 Myths That Could Hurt Your Retirement

    If you're making financial and lifestyle choices based on these retirement myths, you could be missing out on benefits that could give you a better future.
  28. Don't Forget To Take Minimum Distributions

    Take the right required minimum distributions from IRAs, 401(k)s and the like, starting the year you reach age 70 ½. There's a huge 50% penalty for being wrong.
  29. Why Inflation Is Still A Threat To Your Retirement

    One reason people tend to underestimate their retirement saving needs is that they fail to properly account for the impact of inflation.
  30. Is Whole Life An Obsolete Product?

    New, more-flexible features and current market conditions make traditional whole life insurance worth another look.
  31. Retirement Planning for the Self-Employed

    When you're self-employed, your retirement is entirely in your hands. Learn about the three retirement-savings options best suited to the entrepreneur.
  32. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  33. Who Gets Your Retirement Accounts?

    Are the beneficiaries of your IRA or Roth IRA who you now want to get them? How to update if your life's changed since you first filled out the forms.
  34. Is "100 Minus Your Age" Outdated?

    A longstanding rule of thumb says that your stock allocation should equal "100 minus your age." Now, some experts suggest being a little more aggressive.
  35. Day-Trading Gold ETFs: Top Tips

    Learn when is the most favorable time to day-trade gold ETFs and how to take advantage.
  36. Retirement Planning The Millennial Way

    Saving for retirement is completely different if you have a Millennial mindset. These retirement plans will turn your head around.
  37. Retirement Costs: Men vs. Women

    When it comes to the cost of living in retirement, men and women aren't equal after all.
  38. New Retirement Living Option - And Income Source

    Here's a new option for retirement planning that could help three generations of a family – and be the glue that binds them together.
  39. Avoid The Downsides Of Downsizing In Retirement

    Done right, downsizing can still be a good idea. You can have more money, simplify your life, and reduce home-maintenance and utility costs.
  40. The Rise of 401(k) Brokerage Accounts

    Many 401(k) plans now allow participants to trade stocks and bonds by offering brokerage accounts inside the tax-deferred plan. Good idea or too risky?
  41. Where Should I Retire?

    It's not just about money or weather or beautiful scenery and a lively cultural scene. Here, some other real-life ways to think about your post-work life.
  42. How To Get The Most Out Of Your Financial Advisor

    Like most things in life, the effort and thought you put into something will determine what you get out of it. It's no different with a financial advisor.
  43. Divorcing? The Right Way to Split Retirement Plans

    Mishandling how you define and allocate retirement-plan assets in a divorce can cost you plenty in taxes and aggravation. Here's how to do it right.
  44. Who Actually Benefits From Target Date Funds?

    This pre-packaged retirement investment option could be the perfect fit for some investors and a downfall for others. Which are you?
  45. Why This Investment Will Remain A Boomer's Best Friend

    The retirement of millions of Baby Boomers will come with many knock-on effects, but risk-averse investors can take solace in knowing that U.S. Treasury bonds are likely to remain strong and popular.
  46. 4 Big Reasons Your Expenses Could Rise In Retirement

    Here's how to save where you can while you enjoy the fruits of all those years at the office.
  47. Must-Do Financial Moves For Same-Sex Marriages

    Same-sex couples should create the safeguards all married people need, plus a few more. The good news: You may be owed a tax refund.
  48. An Introduction To Target Date Funds

    Target date mutual funds can be an alternative to bonds and CDs for investors who do not wish to actively manage their savings. The reason: These financial products periodically reallocate fund holdings to a more conservative mix over time as the fund holder approaches the target date – usually retirement.
  49. Five Questions to Ask About Your Company's 401(k) Plan

    Having a comfortable retirement depends on taking maximum advantage of your company's 401(k), if it's offered. Here's what you need to know.
  50. Accidentally Conservative: The Risk that Lies Ahead for Millennials

    Research shows that Millennials are substantially more conservative when it comes to their finances than previous generations. Jessie Szymanski explains why this age group may be missing out.
  51. How Women In Transition Should Mind Their Finances

    With roughly 80% of women dying single due to divorce or outliving their spouses, they must become more involved in their financial planning – and advisors must to do more to help.
  52. Financial Changes When You Marry

    Before you tie the knot, here are some steps to take so the legal underpinnings of your marriage will be as solid as your love.
  53. Why These Three Retirement Rules of Thumb Are Bad Ideas

    We’re all looking for simple rules of thumb to help our retirement planning. But three popular ones - 3% savings, 4% drawdown, 120% minus your age – may be dangerous to your retirement health.
  54. Seniors: Before You Co-sign That Student Loan

    If that loan isn't paid back, you could be on the line for the whole amount, plus penalties. Ask the 115,000 retirees whose Social Security checks have already been garnished.
  55. Ignore This Demographic At Your Own Peril

    Hispanics have unique financial planning needs and attitudes, and financial advisers would be well-served by studying this fast-growing demographic's differences.
  56. Why Caregiving Costs Women

    Fueled by extended life expectancies, lost wages from reduced work and rising healthcare costs, women are now the hardest hit when it comes to caregiving for an elderly parent.
  57. What's the Best Time to Get Long-Term Care Insurance?

    Consider applying for long-term care insurance much sooner than you'll need it. If you wait too long, premiums will likely be much higher or you may be denied altogether.
  58. When a 401(k) Hardship Withdrawal Makes Sense

    If you've exhausted all other avenues, there are ways to withdraw funds before age 59½ – sometimes without the 10% penalty that's usually due.
  59. How To Manage Your Finances Through A Divorce

    Dividing assets and liabilities in a divorce can be a sad, complicated task. But with some planning, patience and the help of a financial adviser, splitting couples can avoid some obvious and not-so-obvious pitfalls while they tend to their changing financial needs.
  60. Retirement Plans From Around The World

    How does the rest of the world stack up against the U.S. when it comes to planning and saving for retirement?
  61. Do You Have This Crucial Financial Letter?

    If you don't have a letter of intent in your desk, write one now. Here's why.
  62. How Good a Deal is an Indexed Annuity?

    Indexed annuities are marketed as a compromise between fixed and variable-rate products. But watch the fine print!
  63. Bulk Up Your Retirement

    If your business has receiveables, here's a smart way to leverage them to build up your retirement fund – fast
  64. Common Retirement Advice That DINKs Can Ignore

    The retirement rules are different when a couple has no kids. Spending more, retiring sooner – all kinds of options open up
  65. To Love, Honor and Collect: You, Your Spouse and Social Security

    You may have earned your Social Security benefits on your own, but if you’re married, your collection strategy should be a joint decision.
  66. How Gen Y Can Avoid Working Forever

    Despite tough odds, Gen Y has time to build a strong future with more control over their lives than earlier generations.
  67. Peri-Retirement: The New Life Transition

    Use your 30s and 40s to imagine new life options – and try them on for size
  68. What $1 Million Buys You in America's Best Retirement Destinations

    Shopping for your dream retirement home in Bellingham, Brevard, Charleston and Tucson
  69. Millennials: Let’s Grab A Beer, Burger and a Movie In 2064

    Asking a 25-year old to save money for his 75-year old future self is like asking him to give money to a stranger. But if you put the future in more relatable terms saving may start to make sense.
  70. Top Pension Systems in the World

    The U.S. and Canada aren't even close to tops in retiree pensions. Canada ranks 6 of 20 countries; the U.S.,11th.
  71. The 401(k) Gender Gap

    Women aren't investing in 401(k) plans at the same rate as men - which will cost them big time at retirement. To reap the most, start investing young.
  72. Don't Retire Early - Change Careers Instead

    Many people who long for early retirement simply may have never known what it's like to enjoy going to work every day. A better goal for some: Shoot for a mid-life career change instead.
  73. 10 Sobering Findings About America’s Financial Literacy

    April is Financial Literacy Month, a time to highlight the importance of financial literacy and encourage Americans to learn and establish healthy financial habits.
  74. The 401(k) Choice: Who's Right for a Roth

    Roughly half of U.S. employers offer a Roth 401(k). Anyone whose tax bracket is likely to increase later in life, especially younger workers, will get tax savings by choosing a Roth over a traditional 401(k).
  75. Five Retirement Warning Signs for Millennials

    If Gen Y'ers don't want to keep working forever, here's what they need to do now.
  76. 10 Ways to Screw up Your Retirement

    There are many common traps that retirees or soon-to-be-retirees fall into. We’ve laid out the top 10 here to help you avoid these pitfalls. Don’t be surprised if you find yourself falling into some of these traps – many have.
  77. Guide: How to Save on Expensive Funeral Costs

    According to the National Funeral Directors Association, the median cost of a funeral in 2012 was $7,045.
  78. Early Bird Doesn't Get The Social Security Worm

    Here’s an eye-opening statistic: 73% of Americans who are collecting Social Security (SS) today are receiving less than their full benefit. That’s right — they may not be getting their just deserts. That’s because we all have options when it comes to collecting Social Security benefits.
  79. Avoid Taxes on IRA Rollovers

    For years, IRA owners have been allowed to roll over their money from one IRA to another once a year without penalty, for each IRA account they had. A tax court ruling in January 2014 has brought that to an end. Starting in 2015, taxpayers will be limited to a single rollover per year no matter how many IRAs or retirement annuities they own.
  80. Infographic - Catching Up In The Retirement Race

    Information on how to get to where you need to be in your retirement savings plan.
  81. The Devil in the Details: Five Retirement Budget Proposals

    President Obama got our attention in his State of the Union speech by calling for action on retirement. The President’s budget proposals, however, may reveal more about the administration’s overall vision for retirement policy.
  82. Five Tax Myths That Can Cost You Cash

    Relying on the wrong ideas about how to file your taxes could cost you plenty.
  83. How To Use Your Roth IRA As An Emergency Fund

    Do you feel like you don’t have enough money to save for emergencies and also save for retirement? An often-overlooked feature of the Roth IRA could solve your problem.
  84. What Is Worse Than Being At Risk?

    You may have heard the old adage: “What is worse than being lost? Not knowing you are lost.” In that same vein: What is worse than being at risk? You guessed it! Not knowing you’re at risk.
  85. The Risks Of Investing In Emerging Markets

    In a volatile market, domestic investing can be risky. Many investors choose to look overseas for diversification - but that strategy comes with its own unique threats.
  86. Five Steps To Retire Debt-Free

    Retiring without debt is a worthwhile goal, but a difficult one to achieve. If you're up to the challenge, follow these steps to a debt-free retirement.
  87. The Three Stooges Debunk myRA

    The mention of a government-backed IRA in Obama’s state of the union address earlier this year may look like a good deal. After all, who wouldn’t want a retirement account with the full backing of the US government?
  88. Five Reasons To Not Bother Retiring

    Here are five reasons it may make sense to forgo a traditional retirement today.
  89. Reverse Mortgages 101

    Just because you can apply for a reverse mortgage doesn’t mean you should. Get a general idea of how these work, as well as who is poised to benefit from them in this article.
  90. Why Unemployment Rates Matter To Your Retirement

    Undoubtedly, unemployment is important for retirees and soon-to-be retirees. Also important is understanding the inflation rate as it’s reporting by the US.
  91. Retirement Tax Changes For 2014

    To save efficiently for retirement, it pays to keep abreast of tax law changes. Limits on contributions for some plans have changed while those already receiving social security will see a pay boost.
  92. Maximizing Your IRA

    Dennis Miller interviews IRA expert Terry Coxon to find out clarify the different types of accounts – and which are right for which people.
  93. Retirement Woes Remain As Housing, Stock Markets Rebound

    Despite a rebounding stock market and recent housing gains, retiring comfortably remains an elusive goal for the majority of Americans, recent surveys have found.
  94. How Much Do You Know About 401(k) Fees?

    Here is a quick breakdown of fees that most people should know about when they look at their retirement account.
  95. The Ty Cobb Approach To Retirement Investing

    Swinging for the fences isn’t always the best tact when you’re talking about investing.
  96. How Bernanke's Legacy Affects Retirees

    Ben Bernanke’s reign as Fed chairman has come to an end, and he’s leaving behind quite the legacy. The effects of this legacy aren’t only to be seen in the savings of current retirees or those about to retire; It’s evident further on down the generations.
  97. Obama’s Retirement Cap Could Hit Middle Class

    President Obama plans to place new limits on how much Americans can contribute to tax-deferred retirement plans. Retirees could get no more than $205,000 a year from such plans, estimates say.
  98. What Is A Retirement Saver's Tax Credit?

    Here, we take an in-depth look a tax credit designed to provide relief to some people who are saving for retirement.
  99. A Second Look At Bonds

    Traditionally, bonds have been looked at as one of the safest investments around. But Dennis Miller has some analysis that may change the way you think bonds fit into your portfolio.
  100. 65 Is Not A Magic Number

    Just because you've reached 65 doesn't mean you have to retire - that is, if you don't want to. Read on to find out how your age relates to your retirement.
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