Retirement Articles

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  1. Working in Retirement While Collecting Social Security?

    What to consider if working in retirement while collecting Social Security.
  2. Would A Retirement Plan Overhaul Fix Our Savings Shortfall?

    There are several theories and ideas about how we can make up for the $6.6 trillion retirement savings shortfall in America. ...
  3. Should You Borrow From Your Retirement Plan?

    It makes sense to dip into your savings in some cases, but you must be aware of the potential consequences.
  4. Are Your Bank Deposits Insured?

    Learn how the FDIC is helping to keep your money in your pockets.
  5. What $1 Million Buys You in America's Best Retirement Destinations

    Shopping for your dream retirement home in Bellingham, Brevard, Charleston and Tucson
  6. 401(k) Plans: Roth or Regular?

    How to decide which type of 401(k) retirement savings plan makes the most sense for you. Or should you hedge your bets and ...
  7. Strategies For Your Roth 401(k)

    A Roth 401(k) can add much to your retirement funds, especially if you start saving early and end up doing well financially. ...
  8. Smart Ways To Manage Your 401(k)

    Now that 401(k)s have put managing retirement money into employees' hands, you can't just contribute and forget it. How to ...
  9. 2010: The Year To Convert Your IRA

    Thanks to fewer restrictions, it's now easier than ever to convert your traditional IRA into a Roth IRA.
  10. Pick The Perfect Trust

    Trusts are an estate plan's anchor, but the terminology can be confusing. We cut through the clutter.
  11. 5 Investments You Can't Hold In An IRA/Qualified Plan

    The list of prohibited investment vehicles is short, but it's important to know what is off limits.
  12. Reasons To Stay Put During Retirement

    Many retirees choose to travel to warm destiniations and far off locales to live out their golden years. Here are some reasons ...
  13. Bankruptcy Protection For Your Accounts

    Will the plan assets you've worked hard for be safe if you experience a personal financial crisis?
  14. 3 Deadlines For Retirement Plan Beneficiaries

    To take full advantage of new RMD regulations, beneficiaries need to take action before important deadlines.
  15. Combining Your Plan Assets? Not So Fast!

    You might reduce the costs of maintaining more than one account, but you could also be forfeiting tax benefits.
  16. 10 Tips For Achieving Financial Security

    Follow this sound advice and plan for a comfortable future.
  17. Traditional IRA Deductibility Limits

    Find out where you can take a tax deduction on the contributions you make.
  18. Laid Off? You Can Still Retire

    Joblessness is temporary, but neglecting your retirement savings has permanent consequences.
  19. Designating A Trust As Retirement Beneficiary

    Designating a trust as your IRA beneficiary can be beneficial, but it requires proper planning to avoid problems.
  20. 7 Counterintuitive Retirement Strategies That Work

    We address seven investment misconceptions, and how you can make your retirement plan make sense.
  21. Business Owners: How To Set Up An SEP IRA

    SEP IRAs are simple to set up and run, making them a popular choice for business owners.
  22. Estate Planning: 16 Things To Do Before You Die

    Find out what you need to prepare to avoid serious estate planning mistakes.
  23. The Generation Gap

    Studies suggest that young workers may not be able to retire comfortably - or at all.
  24. Start Saving With A Roth 401(k)

    Here are the steps to take if you want to choose – and make the most of – a Roth 401(k) as you save for retirement.
  25. How Advisors Can Fill The Talent Gap

    Financial planning firms are seeing increased demand for their services just as a talent shortfall becomes more pronounced. ...
  26. Eligible For Social Security And A Pension? Lucky! (Or Confused)

    Two critical rules for Americans whose work history qualifies them for both Social Security retirement benefits and a government ...
  27. Getting A Secured Credit Card

    Because these cards target consumers with difficulty getting credit, be extra careful to avoid predatory lenders when you ...
  28. 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.
  29. 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 ...
  30. 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 ...
  31. 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!
  32. 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 ...
  33. 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, ...
  34. 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: ...
  35. 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 ...
  36. 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 ...
  37. 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, ...
  38. 5 Good Reasons To Build A Career In Nonprofits

    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 ...
  39. 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 ...
  40. Will Retirement Be Part of Your Retirement?

    Retirement is changing. The question is how?
  41. 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 ...
  42. Special Trusts For Special Needs

    If you or someone you love has a disability, these trusts can help ease the cost of care.
  43. 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 ...
  44. 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 ...
  45. 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.
  46. 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 ...
  47. Surprising Uses for Trust Funds

    Here are five common situations where a trust fund makes financial sense.
  48. 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, ...
  49. 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 ...
  50. 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 ...
  51. 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.
  52. 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 ...
  53. 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 ...
  54. Is Whole Life An Obsolete Product?

    New, more-flexible features and current market conditions make traditional whole life insurance worth another look.
  55. 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 ...
  56. 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 ...
  57. 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 ...
  58. Day-Trading Gold ETFs: Top Tips

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

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

    When it comes to the cost of living in retirement, men and women aren't equal after all.
  61. 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 ...
  62. 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 ...
  63. 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 ...
  64. 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 ...
  65. 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 ...
  66. 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 ...
  67. 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.
  68. 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 ...
  69. 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. ...
  70. 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 ...
  71. 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. ...
  72. 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 ...
  73. 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 ...
  74. 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, ...
  75. 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 ...
  76. 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 ...
  77. Why Caregiving Costs Women

    Fueled by extended life expectancies, lost wages from reduced work and rising healthcare costs, women are now the hardest ...
  78. 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 ...
  79. 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 ...
  80. 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 ...
  81. 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?
  82. 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.
  83. 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!
  84. Bulk Up Your Retirement

    If your business has receiveables, here's a smart way to leverage them to build up your retirement fund – fast
  85. 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 ...
  86. 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 ...
  87. Peri-Retirement: The New Life Transition

    Use your 30s and 40s to imagine new life options – and try them on for size
  88. 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 ...
  89. 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.
  90. 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 ...
  91. 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 ...
  92. 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 ...
  93. 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 ...
  94. 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.
  95. 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 ...
  96. 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.
  97. 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 ...
  98. 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 ...
  99. Infographic - Catching Up In The Retirement Race

    Information on how to get to where you need to be in your retirement savings plan.
  100. 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 ...
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