Retirement Articles

  1. Most Senior-Friendly Cruise Destinations

    When it comes to choosing a cruise for the post-retirement set, not all destinations are created equal. Here's a handful ...
  2. Retrofitting v. Moving: What's Better for Seniors?

    Should you spend money to make your home senior-friendly or to buy a new place? Personal needs and project size determine ...
  3. The Pros and Cons of Hybrid Annuities

    An in-depth look on the pros and cons of hybrid annuities.
  4. 7 Reasons Why Americans Retire in Thailand

    Understand why many Americans are deciding to retire in developing countries such as Thailand. Learn about the top reasons ...
  5. How to Help Clients Plan a Phased Retirement

    The notion of phased retirement is gaining traction. Here's how advisors can help clients plan accordingly.
  6. Robo-Advisors Now Entering the 401(k) Market

    A look at Betterment's plans to offer an all-ETF online 401(k) plan.
  7. A Guide To Rollover A 401(k) To A New Employer

    Here's exactly what you need to know.
  8. How Much It Takes to Max Out Your IRA

    IRAs have certain tax advantages that allow your nest egg to grow at a faster rate. But there are annual limits on how much ...
  9. 7 Reasons To Own Life Insurance in an Irrevocable Trust

    An Irrevocable Life Insurance Trust helps minimize estate and gift taxes, provides creditor protection and protects government ...
  10. 10 Things You Need to Know About Social Security

    Every saver should know these ten things about Social Security retirement benefits.
  11. Are Cash Balance Pensions the Best for Small Biz?

    Are cash balance pensions the right solution for your small business clients? Here's why they may or may not work for your ...
  12. How Oil and Gas Can Fuel Your Retirement Account

    Investors who choose oil and gas assets inside a tax-deferred retirement account can reap substantial rewards. Here's how ...
  13. I Maxed Out My IRA! Now What?

    You've contributed your annual maximum to your IRA. Well done! But you need to save much more than that if you're going to ...
  14. How To Protect Your Retirement from Lawsuits

    Getting sued is one of those things that no one really plans on. Be proactive and make sure your hard-earned retirement is ...
  15. 6 Ways Retirees Can Capitalize on Higher Rates

    A interest rate increase still looks to be on the horizon, so retirees should begin rethinking the way they currently invest.
  16. The Backdoor Way to Qualify for a Roth IRA

    Meet with your tax advisor to find out what a backdoor Roth IRA is. Basically, it's a tax loophole that could help you prepare ...
  17. How to Advise Clients with Frozen Pensions

    Financial advisors are on the front line in advising clients impacted by a frozen pension. Here's what they need to consider. ...
  18. These 10 States Have the Priciest Long Term Care

    There’s a huge need that people often ignore when planning for their golden years: long-term care. Here's where not to enroll.
  19. Finding The Best Tools To Manage Your Retirement Money

    Useful starting points for assembling your own retirement money-management toolkit.
  20. How to Set Up a Trust Fund in Canada

    You don't have to be rich to make use of a trust fund. Rules can be complex; here's what you'll need to discuss with your ...
  21. Don't Miss Out on a 401(k) Match

    If your employer matches your 401(k) contributions, fund your plan up to the maximum they'll match. Unless, of course, you ...
  22. Retirement Planning Using Long-Dated Options

    Retirement planning using high-risk options? It is possible, and studies confirm better yields than conventional methods. ...
  23. Top 10 States for Affordable Long-Term Care

    Every state varies on the average cost of long-term adult care. Here's a list of states where these types of services are ...
  24. Beat Retirement Planning Anxiety with These Tips

    It’s never too early to start thinking about saving for a secure retirement. The key is to start early and not leave things ...
  25. How to Piece Together a 401(k) Plan

    In the world of 401(k) investment lineups, more is not always better. Here's an overview of things you may want to include ...
  26. How to Prepare Your 401(k) for Rising Rates

    If headlines of the Fed raising rates have you worried, here are some ideas to help you think about your retirement-investing ...
  27. Should You Delay Your Retirement?

    There are advantages to not retiring at age 66. And more money is not the only reason.
  28. What Will My Social Security Check Look Like?

    It's important to know what your Social Security check will look like in retirement. Here's how you can figure it out.
  29. Retirement Planning: Don't Forget Social Security

    You may miss out on a more robust retirement income if you invest too conservatively in retirement.
  30. How to Use Annuities for Retirement Income

    We explain how to use annuities for guaranteed income in retirement.
  31. 7 Ways to Reduce Healthcare Costs in Retirement

    When it comes to retirement, one of the big, unknown costs can be healthcare. Finding ways to reduce those costs is a necessity ...
  32. How to Help Clients Overcome Retirement Shortfalls

    Telling a client they don't have enough for retirement is tough. Here's how advisors can help clients overcome retirement ...
  33. How Are Variable Annuities Taxed?

    Before investing in a variable annuity, discuss your personal financial picture with a knowledgeable financial advisor.
  34. Yes, You Can Buy a Home with a Reverse Mortgage

    A special type of FHA-insured reverse mortgage called the HECM for Purchase lets seniors use a reverse mortgage to buy a ...
  35. How to Avoid Outliving Your Reverse Mortgage

    Running out of proceeds sooner than you expected to is one of the major risks of taking out a reverse mortgage.
  36. How to Choose a Reverse Mortgage Payment Plan

    Lump sum? Tenure? Term? Line of credit? Here’s a look at how each payment plan works, along with the pros and cons.
  37. Eyeing a 401(k) Loan? There Are Better Options

    A 401(k) loan may sound good but it's not worth the risk. Here are other options that allow you to leave your retirement ...
  38. How to Handle Client Beneficiary Designations

    Beneficiary designations are a critical financial planning step that can be easily overlooked. Here's how to ensure they ...
  39. Which 401(k) Plan is Right for You?

    An overview of the different types of 401(k) plans and how to choose the right one.
  40. Longevity Annuity Tax Rules: What You Need to Know

    A look inside the intricacies of the IRS' recently finalized longevity annuity tax rules.
  41. The Pitfalls of PLUS College Loans

    Here's how parents can avoid the pitfalls of PLUS Loans when it comes to funding their children's college education.
  42. How Divorce Affects Social Security Benefits

    As an ex-spouse you may be able to claim benefits based on your ex-spouse’s earnings record. Here are the details.
  43. Top Tips to Reduce Required Minimum Distributions

    A look at the best strategies to reduce required minimum distributions from qualified retirement accounts.
  44. Getting a College Student to Love ... Investing?

    College students have a big advantage over many other investors: time. Here's how to get them interested in investing.
  45. 401(k) Loans: The Good, the Bad and the Ugly

    Borrowing from your 401(k) is ready cash from the best possible lender: you. Here's the upside and downside to using the ...
  46. Tapping Your Retirement Accounts: How to Start

    Deciding which retirement account to tap first can be confusing as it may impact how long your savings last. Here's some ...
  47. Tip for Estate Planning on the Cheap

    Estate planning is an expensive but necessary process for everyone with assets they’d like to eventually distribute. Here's ...
  48. Retirement Tips: Choose the Best Annuity Provider

    It pays to get the best advice if you are thinking of putting your money into one of these complicated investments.
  49. Variable Annuities with Guaranteed Benefit Options

    Guaranteed benefit riders protect variable annuities against a market downturn, but they also make an already expensive product ...
  50. The Top 5 Fixed Annuities for the Risk Averse

    These five fixed annuities are best suited for risk averse and/or retired investors.
  51. Estate Planning Goes Digital: How to Get Started

    Digital estate planning is an important part of the estate planning process given today's tech-centric world. Here's how ...
  52. Retirement Plan Laggards: How to Help Them

    It can be stressful managing clients who started saving for retirement later in life. Luckily there are a few strategies ...
  53. How the Self-Employed Can Prepare for Retirement

    The self-employed aren't saving enough for retirement. Here's what they can do to change that.
  54. Your Social Security Benefits: Who Gets Taxed?

    Many folks will pay some taxes on their Social Security benefits, but some will not. Here's the lowdown on who gets taxed ...
  55. How Client Behavior Impacts Retirement Planning

    While many clients know they should save for retirement, they don't. Here's how advisors can help modify their bad financial ...
  56. How to Choose the Best IRA Custodian

    Finding the right custodian for your IRA means determining the sort of IRA you want. Then you can zero in on the ideal institution ...
  57. Maxing Out Your 401(k) vs. an IRA or Roth IRA

    What is the best way to save for retirement? Max out your 401(k)? Add an IRA? And what about the Roth? Your questions, answered.
  58. How to Manage Lower Social Security Adjustments

    Here's how financial advisors can help clients cope with low or no cost-of-living Social Security increases.
  59. How to Help Clients Avoid Estate Planning Pitfalls

    Advisors play a vital role when it comes to estate planning. Here are some tips to help clients prepare properly and avoid ...
  60. The 401(k) Emergency Boomers Need to Address Now

    The asset allocations of Baby Boomers’ 401(k)s are dangerously out of balance. Here's how to remedy that.
  61. Why Goals-Based Investing Might Be Right for You

    With a goals-based investing approach, you can direct your investment philosophy to reach your goals. Here's how.
  62. Ready to Retire? Better to Avoid These States

    Expenses matter in retirement. If you're living in a state with high taxes and/or a high cost of living, you could be fighting ...
  63. Estate Planning Questions to Ask Clients Annually

    Financial advisors need to ask these estate planning questions annually to keep clients on track.
  64. Top 3 Tips to Find an Estate Planning Lawyer

    Having an estate plan is essential. Here are some tips on how to find an estate planning attorney to help you put one in ...
  65. How to Make Taxes Hurt Less During Retirement

    The decisions around retirement planning and the taxes you will owe on your accounts can have long term financial effects. ...
  66. Estate Planning Tips for the Average Client

    Fewer financial assets can lead to bigger issues for families who don't establish an estate plan. Here's how advisors can ...
  67. Top 4 Retirement Income Mutual Funds (PRFHX, SWJRX)

    Review four of the top retirement income mutual funds available on the market today, including those with tax advantages ...
  68. Choosing The Best Charitable Gift Annuity

    Want to support a cause you care about, but still earn income from that donation in your retirement years? This vehicle offers ...
  69. How Social Security Benefits Are Estimated & Taxed

    The Social Security check you'll get depends on your work history, when you start claiming a benefit and these other factors.
  70. Understanding Different Types of Life Insurance

    Understand the various types of life insurance, how each can be used in personal or business financial planning, and for ...
  71. Robo-Advisors Face First Market Downturn Test

    Robo-advisors are experiencing a major market downtown for the first time. So how did they do?
  72. Annuities and Baby Boomers: The Pros and Cons

    The pros and cons of annuities that Baby Boomers seeking retirement income need to know.
  73. Why Even the Young Should Establish an Estate Plan

    Estate planning is important even for the youngest clients, and they should have a plan in place should the worst happen. ...
  74. How to Adjust Plans When Clients Keep Working

    Here's how financial advisors can update financial plans for clients who need (or want) to keep working when they've met ...
  75. These Top Vanguard Funds Will Help You Diversify (VTSAX, VTIAX)

    These Vanguard funds offer diversification and low fees for retirement savers.
  76. Top Tips for Beating Money Stress

    The leading cause of stress in America is money. Here are five tips to help you reduce your financial worry.
  77. Should You Accept an Early Retirement Offer?

    Is it wise to accept an early retirement package? Here's what you need to consider.
  78. Reinvesting Dividends Pays in the Long Run

    Find out why dividend reinvestment is one of the easiest ways to grow wealth, including how this tactic can increase your ...
  79. 6 Steps to Update or Change Your Will

    Life changes – a new marriage, the birth of a child – can necessitate changes in your will.
  80. Build a Retirement Portfolio for a Different World

    When it comes to retirement rules of thumb, the financial industry is experiencing new guidelines and the new rules for navigating ...
  81. Automating Your 401(k) is Easier Than You Think

    If you like automation, you should check out these features that many 401(k) plans offer.
  82. Infographic: How Much Money Do You Need to Retire in Hawaii?

    In this infographic we break down cost of living in Honolulu, Hawaii in terms of taxes, rent, food and other expenses and ...
  83. 5 Ways to Stretch Your Retirement Dollars

    Fixed incomes are a reality of retirement, which means your money needs to last. From downsizing to staying healthy, here ...
  84. 5 Signs a Reverse Mortgage Is a Bad Idea

    Here are the key situations when you should probably pass on this type of home loan.
  85. 6 Reasons Why Dividends Should Be Reinvested

    Learn about the advantages of dividend reinvestment programs and how they may benefit longer-term investors who want to build ...
  86. Understanding How Dividends Are Taxed

    Learn how dividends are taxed by the IRS, and understand the different types of dividend income as well as the capital gains ...
  87. Retirement Planning for Entrepreneurs and Small Businesses

    If your business has receiveables, here's a smart way to leverage them to build up your retirement fund fast.
  88. Overhaul Social Security to Fix Retirement Shortfall

    There are several theories and ideas about how we can make up for the $6.6 trillion retirement savings shortfall in America. ...
  89. The 3 Most Common 401k Rollover Mistakes

    No one is born knowing the tax rules for 401(k)s and IRAs, but only dummies, scaredy cats and suckers don't buckle down to ...
  90. How Does US Social Security Measure Up Abroad?

    Social Security is a hotly debated topic. After examining the retirement plans of three different countries, the U.S.'s does ...
  91. Five Things to Consider Now for Your 401(k)

    If you can’t stand still, when it comes to checking your 401 (k) balance, focus on these 5 steps to help channel your worries ...
  92. The World's Most Luxurious Retirement Destinations

    If money is no object (or if you would just like to dream), these five spots are the crème de la crème.
  93. How to Protect Elderly Clients from Predators

    Advisors dealing with older clients face a specific set of difficulties. Here's how to help protect them.
  94. Strategies for a Worry-Free Retirement

    Worried about retirement? Here are several strategies to greatly reduce the chance your nest egg will end up depleted.
  95. Your 401(k): How to Handle Market Volatility

    An in-depth look at how manage to 401(k) assets during times of market volatility.
  96. How to Build a Financial Plan for Gen X, Y Clients

    Retirement is creeping closer for clients in their 30s and 40s. It's a great segment for financial advisors to tap to build ...
  97. Top Social Security Issues for Divorced Women

    What female divorcees need to know about the twists and turns of figuring out Social Security benefits.
  98. How to Tell if You Need an Estate Planning Lawyer

    Estate planning is an important and often neglected part of financial planning, which can be costly when avoided or done ...
  99. How to Choose the Best Long-Term Care Insurance

    Here's how to find and select a policy that provides the best coverage for you.
  100. How to Choose the Best Medicare Advantage Plan

    Medicare Advantage offers an alternative to Medicare and Medigap. Here’s what you need to know to choose the best plan.
Hot Definitions
  1. Applicable Federal Rate - AFR

    Rates published monthly by the IRS for federal income tax purposes. These rates are used to calculate assigned interest charges. ...
  2. Foreign Exchange Reserves

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  3. North American Free Trade Agreement - NAFTA

    A regulation implemented on Jan. 1, 1994, that decreased and eventually eliminated tariffs to encourage economic activity ...
  4. Trickle-Down Theory

    An economic idea which states that decreasing marginal and capital gains tax rates - especially for corporations, investors ...
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    A security with a price that is dependent upon or derived from one or more underlying assets.
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    A fiduciary is a person who acts on behalf of another person, or persons to manage assets.
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