Retirement Articles

  1. Medicare Part D Is Changing How You Pay for Drugs

    As the price of prescription medication rises and the population ages, insurers are looking for ways to cut costs. That's ...
  2. Advisors: Clients Must Take First RMD by April 1

    For clients required to take their first required minimum distribution from a retirement account, April 1 is a key deadline ...
  3. How to Know if Your 401(k) Plan Fees Are Too High

    Finding out how much you are paying for your 401(k) plan takes some research, but you should know exactly what you are getting ...
  4. Retired? Here Are the Best Robo-Advisors for You

    Robo-advisors are often associated with young investors, but there are a few online services that cater to retirees. Here's ...
  5. Executive Retirement: Pension vs. Lump Sum

    Choosing between these two options requires making an educated guess about your lifespan and understanding your tolerance ...
  6. 5 Safest Countries to Retire to in Latin America

    See which countries came out on top in the latest rankings – and which might appeal as a retirement destination.
  7. The Retiree Conundrum: ETFs or Mutual Funds?

    Choosing between ETFs and mutual funds depends on your knowledge of the stock and bond markets – and on how hands-on you ...
  8. 5 Reasons to Update Your Living Will

    A living will protects you when you can't fully take care of yourself, but the details can be forgotten. Minds change, medicine ...
  9. Don’t Let These Overlooked Costs Ruin Your Retirement

    Blindly putting money aside will not optimize your retirement savings. Make sure you understand your position in relation ...
  10. Make It Legal When You Retire

    If you haven’t done your estate planning, named a power of attorney and considered your legacy, you still have some pre-retirement ...
  11. Do This to Avoid Outliving Your Retirement Portfolio

    Many retirees put too much money into safety and don’t allow their portfolio to continue to grow. Here’s how to avoid outliving ...
  12. More Pension Plans in the Deep Freeze

    A growing number of Fortune 500 companies have sent their defined-benefit pension plans to the deep freeze. What employees ...
  13. What Role Should Annuities Play in Retirement?

    Fixed annuities can provide income protection for those worried about outliving their assets. But don't buy a bigger policy ...
  14. Tips for Maximizing Social Security, Medicare

    For pre-retirees, preparing for Social Security and Medicare can be complex. Here's how advisors can help.
  15. Market Sagging? How to Keep Retirement on Track

    Crafting a realistic retirement plan capable of weathering a volatile market for clients can be tough. Here are some tips ...
  16. Why Millennial Savers Should Choose a Roth 401(k)

    A 401(k) is a valuable tool for building retirement wealth, but for Millennials the Roth option may make more sense than ...
  17. Here's How You Pay for Boomers’ Social Security

    Don't blame the Boomers for Social Security’s rumored demise by the time Gen X retires: The pay-as-you-go economic model ...
  18. Social Security Benefits for Children: How They Work

    There are millions of children in tough situations who receive Social Security benefits each month to help with finances. ...
  19. Self Employed? Avoid These 3 Retirement Mistakes

    Having a strategy for retirement is particularly important when you're self-employed, as there are certain pitfalls you must ...
  20. Top Pension Systems in the World

    The U.S. and Canada aren't even close to the top in retiree pensions. Canada ranks 7th of 20 countries; the U.S.,14th.
  21. Why Millennial Women are Tuning into their Finances

    We take a closer look at sentiment among millennial women revealed some key differences when compared to millennial men and ...
  22. Tax Tips on Roth and Regular 401(k)s

    There are many ways to reduce your tax burden when saving for retirement. From converting to a Roth 401(k) to sticking with ...
  23. Are Target Date Funds Right for Your 401(k) Plan?

    Target-date funds are a popular investment option in 401(k) plans. Are they always a good fit?
  24. Top 4 Reasons People Don’t Save Enough to Retire

    Whether big medical bills or student loan debt is keeping you from saving, getting back on track is critical for your future.
  25. These 13 States Tax Your Social Security Benefits

    It may surprise many that Social Security benefits are taxed. The best way to not let it derail your tax situation is to ...
  26. Raising Grandkids? Plan This Way for Retirement

    If you find yourself raising grandchildren, you need a plan for managing your finances so that your retirement doesn't get ...
  27. 3 Common Financial Mistakes for Women to Avoid

    Find out why of more than 4,000 Americans, women are more likely than men to have no savings or investments.
  28. Retiring and Selling Your House? Price It Right

    When selling a home, retirees need to make sure they price it right. List it for too much and it could languish, eating away ...
  29. Is JCPenney Stock Suitable for Your IRA or Roth IRA? (JCP)

    Examine the financial indicators that paint a bleak picture of JCPenney's future, and learn why its shares are not suitable ...
  30. Retirement Planning for Couples

    Before you ride (or canoe) off into that sunset together, you need to strategize about a number of issues, from timing to ...
  31. Is SandRidge Stock Suitable for Your IRA or Roth IRA? (SDOC)

    Understand why SandRidge stock, due to its poor performance and precarious financial position, is not a good investment for ...
  32. Fidelity Vs. Vanguard: Comparing 401(k) Providers

    Learn about the key differences between Vanguard and Fidelity 401(k)s in terms of company structure, fund offerings and client ...
  33. Do Millennials Really Need to Save $1,100 a Month?

    A widely circulated newspaper column said that twentysomethings need to sock away the equivalent of $1,100 a month to live ...
  34. Is Seadrill Stock Suitable for Your IRA or Roth IRA? (SDRL)

    Understand why Seadrill stock is too unstable and dependent on strong oil prices to be suitable for your traditional IRA ...
  35. The New Retirement: Secrets of the ‘Silver Economy’

    Around the world, lifespans are rising and birthrates are falling. How demographics is reshaping robotics, finance, the workplace ...
  36. Putnam Investments: Investment Manager Highlight

    Learn about Putnam Investments, one of the original mutual fund companies. Discover how the company is recovering from a ...
  37. Investors Should Do These 5 Basic Things in 2016

    These are the 5 basic things every investor should do in 2016 to review and reevaluate their financial picture.
  38. What Is a Phased Retirement and How Do I Get One?

    Workers around the country are redefining what retirement looks like. One way is a phased retirement, in which you gradually ...
  39. Keeping Drug Prices Down When You’re Retired

    Prescription drug prices have doubled in seven years, and seniors are really feeling the crunch. What options do retirees ...
  40. Deferred Compensation Plans for Nonprofits

    Learn about the two types of deferred compensation plans that nonprofit companies can use to allow high-ranking employees ...
  41. How to Navigate a Lousy 401(k) Plan

    Here are some strategies to help clients who have a less-than-stellar 401(k) plan.
  42. 5 Simple Steps for Setting Smart Investing Goals

    One of my favorite financial advisor mantras is that it’s not always what you own, but why you own it, that counts. Learn ...
  43. 5 Fabulous Behaviors of Financially Successful Women

    In a day like today, International Women’s Day 2016, we hope to take steps to normalize the conversations between money, ...
  44. The Top-Paying Jobs for People 65 and Older

    Nearly one in five people age 65 and older are still working. If you plan to be one of them, here are five top-paying jobs ...
  45. Can Immigrants Over 65 Receive Social Security?

    Under some circumstances, the answer is yes. Here's how the rules work.
  46. Is American Airlines Stock Suitable for Your IRA or Roth IRA? (AAL)

    Learn about the long-term investment thesis for American Airlines. Find out if American Airlines' stock is right for your ...
  47. Robo-Advisor Platforms: Vanguard vs. BlackRock

    BlackRock and Vanguard have both added robo-advisor platforms recently. How do they compare?
  48. What Larry Ellison's Portfolio Looks Like

    Discover how ex-CEO and multibillionaire Larry Ellison is building a massively extravagant real estate portfolio, as well ...
  49. Retire In Cambodia With $200,000 of Savings?

    A pleasant lifestyle in Cambodia makes it attractive to retirees. Here's info for researching your budget.
  50. How Much Money You Need To Retire In Cambodia

    Retiring Boomers have good reason to take a new look at Cambodia for its low cost of living and welcoming ways
  51. How Social Security Benefits are Taxed

    The tax impact of Social Security benefits is often misunderstood. Here's how advisors can help clients manage their tax ...
  52. How to Value Art and Dodge the IRS on Death Taxes

    Appraising artwork can be a very inexact process, and an estate could face penalties from the IRS for undervalued works. ...
  53. 5 Top Career Changes for People 65 and Older

    Interested in a new career path but not sure where to start? Here are five top choices.
  54. Is Celgene Stock Suitable for Your IRA or Roth IRA? (CELG)

    Learn why Celgene stock is a good addition to your traditional or Roth IRA; which vehicle is better depends on your income ...
  55. Is Chesapeake Energy Stock Suitable for Your IRA or Roth IRA? (CHK)

    Understand why Chesapeake Energy stock does not provide the stability necessary for an investment to be suitable for your ...
  56. Programs That Give Cash-Strapped Seniors a Lift

    Dozens of federal and state programs can help seniors who are struggling to pay their bills on a fixed income to better afford ...
  57. The Best and Worst States to Retire to in 2016

    Retirees have many choices around the United States when it comes to setting down roots. However, based on Bankrate’s ranking, ...
  58. How Social Security for Legal Immigrants Works

    If you earn enough work credits in the U.S. – or combined with credits from certain other countries – you can claim benefits. ...
  59. These Robo-Advisors Have the Lowest Fees

    These robo-advisors all have low fees, but what they offer and require differs.
  60. How Social Security Works for the Self-Employed

    As both employee and employer, you have to pay more in Social Security, but there are deductions that can help lighten the ...
  61. 5 Questions to Ask Before Opening a New Retirement Account

    Know the right questions to ask before opening a new retirement account, such as an IRA, to save money and avoid potential ...
  62. Why Robo-advisors Make Sense for Retirees

    Robo-advisors' popularity is growing because they take the guess work out of investing. For some retirees they can benefit ...
  63. How the Fiduciary Rule Will Impact Annuity Sales

    If the DOL's fiduciary rule is enacted it will result in radical changes to how annuities are sold and marketed and how advisors ...
  64. Top Tips on When to Claim Social Security

    Like most financial planning decisions, when to claim Social Security is not a simple decision. Here are some tips to make ...
  65. Pay the Lowest Possible Taxes on Retirement Assets

    One key factor that retirement planners focus on is minimizing their clients’ taxes each year. Here are some strategies for ...
  66. Take Charge of Your Personal Finances This Year

    Take charge of your personal finances to reach financial independence. Find out how with these 5 financial life-altering ...
  67. Tips to Help Retirees Combat Low Interest Rates

    Planning for retirement in a zero interest rate environment can be tricky. Here are some ways to make it work and generate ...
  68. 4 Reasons Low Interest Rates Hurt Retirees

    Low interest rates make it easier to purchase a home or car, but for retirees it hasn't been great. After all, they're not ...
  69. Tips to Help Siblings Avoid a Costly Estate Battle

    Sibling spats may be financial or emotional. Either way, here are steps parents can take to forestall conflicts and strategies ...
  70. Is Facebook Stock Suitable for Your IRA or Roth IRA? (FB)

    Learn about Facebook's long-term outlook and relative valuation, and find out whether it is better suited for a Traditional ...
  71. Top Tips for Not Outliving Your Retirement Budget

    To avoid getting caught betting against your own mortality, here are some tips on how to best stretch your budget in retirement.
  72. How New Rules Impact Indexed Universal Life Sales

    Indexed universal life insurance is growing in popularity. Here's how recently enacted new rules will effect the sale of ...
  73. Is Pfizer Stock Suitable for Your IRA or Roth IRA? (PFE)

    Discover why Pfizer's suitability in a Traditional IRA or Roth IRA depends on your interpretation of the company's current ...
  74. Is T-Mobile Stock Suitable for Your IRA or Roth IRA? (TMUS)

    Understand why T-Mobile shares are a risky choice for retirement savings, but an investor who chooses T-Mobile anyway should ...
  75. I Make $250K a Year: How Much Should I Invest?

    Learn how to determine the right level of monthly investments to make, how much to save for retirement and how big your emergency ...
  76. Why HSAs May Trump 401(k)s for Retirement Savings

    In many cases, it makes a lot of financial sense to use a health savings account instead of a 401(k) plan to tuck money away ...
  77. Top Tax Planning Tips for Volatile Markets

    Volatile markets provide several ways to lower tax bills ... if you play your cards right.
  78. 6 Actionable Ideas for Defined Contribution Plan Sponsors (PIMCO)

    Find out what actionable ideas leading investment manager PIMCO is offering defined contribution plan sponsors to improve ...
  79. Will ESG Investments Become a Staple of 401(k) Plans?

    Discover information on the rise and growing acceptance of ESG-based investing strategies and why they are becoming more ...
  80. The Growing Demand for Multigenerational Housing

    Socioeconomic factors and cultural preferences have increased the demand for multigenerational housing. Though not right ...
  81. Saving vs. Investing: Understanding the Key Differences

    The terms saving and investing are sometimes used interchangeably, but they are very different and extremely important to ...
  82. How to Avoid Family Inheritance Disputes

    A death of a loved one is difficult. It is important to avoid family disputes over the inheritance, the best we can, and ...
  83. How Negative Rates Could Hammer Your Retirement

    Negative interest rates could wreak havoc on savings, bonds, the stock market and more. Here's what to be aware of if the ...
  84. Why Online Retirement Planning Tools Could Betray You

    Retirement calculators on the web may paint a dangerously rosy picture of your future, according to new research from Texas ...
  85. Retirement Savings for Small-Business Employees

    President Obama’s new budget gives high priority to improving retirement plans, especially for employees of small companies. ...
  86. Will Baby Boomers Bankrupt Social Security?

    Will the massive Baby Boomer generation, now retiring in droves, bankrupt the Social Security System?
  87. Be Smart in Naming Beneficiaries of Your 401(k)

    Listen up: Hidden in the pesky details of filling out 401(k) forms are important tax implications. And it's a legacy to people ...
  88. 3 Big Medical Costs and How to Protect Against Them

    Without a plan, an unexpected injury or chronic disease will cost you.
  89. Avoid These Retirement Asset Allocation Mistakes

    When it comes to asset allocation in a retirement portfolio, these are the mistakes that should be avoided.
  90. Gen Y is Making This Huge Investing Mistake

    Millennials are a risk averse generation. Here's how advisors can help them invest appropriately for their age.
  91. What Will Social Security Look Like When You Retire?

    Many workers are not confident that Social Security will be around during their retirement. Here's what you need to know ...
  92. Avoid These 4 Common Causes of Family Estate Fights

    Sibling battles over their parents' belongings are quite common. But open family discussions before the parent dies can often ...
  93. How Prepared Are Americans for Retirement?

    While retirement preparedness has increased in the last two years, more than half of Americans may fall short. Here's how ...
  94. The Power of Saving Just 1% More

    Boosting your savings rate by just 1% a year can go a long way toward increasing the amount of money you amass for your retirement. ...
  95. Irrevocable Trusts: New Trends You Need to Know

    Several improvements and additional provisions have been added to irrevocable trusts in recent years making them considerably ...
  96. Top Tips for Buying Annuities

    Annuites are complex products that must be understood in order to use them correctly. Here's what you need to know.
  97. The Pros and Cons of a SEP Account in Today's Volatile Markets

    Discover why you don't have to worry about a volatile market's impact on your simplified employee pension plan. Learn to ...
  98. 5 Mistakes to Avoid When Shopping for Annuities

    Annuities give retirees guaranteed income but they aren't all created equal.
  99. High Yield Stocks Can Hurt Your Retirement Nest Egg

    High yield stocks can give you a handsome return, but for retirement investors the risk far outweighs the reward.
  100. Will the Wealthy See a Tax Incentive Cut?

    President Obama has unveiled plans to increase taxes for the wealthy. Retirement income and capital gains are two key areas ...
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