Retirement Articles

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  1. Fiduciary Rule Will Improve 401(k) Transparency

    Employer-sponsored 401(k) plans have come under scrutiny, as it turns out many employee participants don't know how their ...
  2. Keep Your Financial Independence in Retirement

    These five steps can help seniors protect their money and maintain their financial independence during retirement.
  3. Late IRA Rollovers Get Relief From IRS

    The new self-certification process will make it much easier and cheaper to correct a late rollover of a qualified retirement ...
  4. Why Your 401(k) Is More Important Than You Think

    If you are thinking of dipping into your 401(k), think again. It’s one of your best sources of retirement income.
  5. Retirement: Why the First Decade is the Most Crucial

    Retirement doesn't mean retiring from managing finances. And the first decade of retirement is the most crucial. Here's why ...
  6. Why Save for Retirement in Your 20s?

    You're probably paying off your student loans and retirement is 40 years away. Shouldn't you focus on eliminating debt and, ...
  7. Strategies to Retire Abroad and 7 Countries to Consider

    Not that you always need citizenship to establish a home in a new country. Permanent residency might do just as well.
  8. Maxing Out Your 401(k) is Profitable: Here's Why

    It's shocking, but most American workers (73%) have no 401(k) retirement funds. Start saving now to anchor your retirement.
  9. 8 Reasons to Roll Over Your 401(k) to an IRA

    Switching jobs? Moving your retirement savings into an IRA has advantages that may allow you to build a larger nest egg.
  10. 4 Essential Steps to Take Before Retirement

    You owe it to yourself to head into retirement prepared. Here are four steps to help outline your best possible plan.
  11. What You Should Know About the New Fiduciary Rule

    These key questions and answers clarify the DOL's new fiduciary rule and how it impacts individual investors saving for retirement.
  12. Affluent Clients Have Different Financial Planning Needs

    Financial advisors must keep in mind that affluent clients have different planning needs to address taxation, wealth protection ...
  13. How to Explain the Fiducuary Rule to Your Clients

    Here's how to deliver the underlying message of the Department of Labor's new fiduciary rule to your clients.
  14. Edward Jones IRA and Roth IRA Review

    Investors looking to open an IRA or Roth IRA at Edward Jones can learn about the opening process, investment options, fees ...
  15. How to Calculate What You Need for Retirement

    You might not be able to predict all the variables that impact retirement planning, but there are tools to help make simple ...
  16. You Might Retire Late – But Be Ready by 62

    Be realistic about retirement age when you're doing financial planning. Here are some reasons many workers find themselves ...
  17. Don't Make These Top 10 Mistakes On Your Roth IRA

    Don't lose out on the benefits of a Roth by contributing too much, breaking rollover rules or making other avoidable errors.
  18. 5 Assumptions That Can Hurt Your Retirement

    Retirement planning is a must, but having a plan that's filled with old and dated assumptions can cause great harm.
  19. Retired? Tips for Spending Your Nest Egg Wisely

    It can be hard to start spending money once retirement finally comes. Here are some best practices on how to transition from ...
  20. Avoid These 4 Retirement Account Mistakes

    The top 4 mistakes investors should avoid in their retirement accounts.
  21. What Happens to Your 401(k) After You Leave a Job?

    Wondering why your 401(k) plan is unavailable after your employment termination? Here are some scenarios to consider.
  22. How to Create a Worry-Free Retirement Income Plan

    A retirement income roadmap has many moving parts and may seem overwhelming at first to put together. Here's how to get started.
  23. How "Death Tax" Waivers Work

    Although the specific rules vary by state, an estate or inheritance waiver relinquishes an heir from the right to receive ...
  24. Going Back to Vietnam to Retire: A How-to Guide

    Family ties to this Southeast Asian country may drive a desire to spend your retirement there. If so, here are several factors ...
  25. Budgeting for the 4 Phases of Retirement

    Retirement consists of four stages, each with different expenses and different budgeting needs. Here's how to manage your ...
  26. Long-Term Care Insurance: What to Consider

    Long-term care may be a wild card in your financial plan, but at the very least, it should be discussed with your financial ...
  27. How Much Money is Enough if I'm 90?

    Worrying about money never ends. Even when you're well into your 90s and have more than $2 million invested, will you still ...
  28. Retiring In Spain: 5 Best Cities For Expats

    Retirees seeking a rich cultural mix, temperate climate, low living costs, good healthcare, beaches and even skiing will ...
  29. Eliminating Taxes on Your Social Security Benefits

    Two things in life are certain: death and taxes. But what if you could reduce, or even eliminate one of them?
  30. Top Tips for Minimizing Taxes on Social Security

    Social Security benefits are taxable under certain circumstances. Here are some ways retirees can lessen the tax burden. ...
  31. 5 Secrets You Didn't Know About 401(k)s

    If your employer offers a 401(k), that should be your first stop for retirement savings – especially if your contributions ...
  32. Retire in Puerto Rico with $200,000 in Savings

    The climate, beaches and cost of living are a draw, but its economic challenges need to be factored into your decision.
  33. 4 Books the Former CEO of Westpac Is Reading (WBK)

    Gail Kelly, former CEO of Westpac Banking Corporation (NYSE: WBK), is currently enthralled with four books, each highlighting ...
  34. 10 Best Companies for Obtaining Life Insurance Over 50 (MET, PRU)

    For individuals over age 50 with differing needs, the best life insurance companies include large financial services companies ...
  35. Comparing Investing Today Vs. Investing Tomorrow

    This hypothetical example illustrates how much you stand to lose by putting off saving and investing for retirement.
  36. 5 Things to Think About When It's Time to Retire

    Planning for retirement can be overwhelming, but considering these five questions is a great way to get started.
  37. Converting A Traditional IRA to a Roth

    When is it a good idea to convert traditional IRA funds into Roth IRA funds? And when does it not make sense?
  38. 7 Thoughtful Retirement Gifts for Women

    Discover seven thoughtful retirement gifts for women and learn how and where to purchase them to help ensure a smooth and ...
  39. Investment Options for Income in Retirement

    Generating income from investments during retirement is crucial. Here are some of the best options.
  40. What Are Virtual Financial Advisors?

    The internet has provided a convenient way for financial advisors to offer their services to a wide customer base through ...
  41. What Retired Teachers Need to Know About Social Security

    Depending on where a teacher lives and that educator's eligibility into government provisions, a retired teacher's Social ...
  42. Funding a Startup with Retirement Cash: Smart or Dumb?

    Retired entrepreneurs who have "played it safe" – and retirees who want to stretch their dollars – are looking to invest ...
  43. Why Retirees Are Carrying More Debt Than Ever

    As people reach retirement they are carrying more debt than ever before. Why and what to watch for.
  44. How Life Insurance Can Help With Liquidity

    Life insurance can provide liquidity in personal and business situations when access to capital is essential. Learn how to ...
  45. Tips for a Smooth Trip to Retirement

    Planning for retirement is like planning for a vacation: assess your ideal destination, follow directions, pack wisely, and ...
  46. Protecting Your Assets from Contingencies

    It really doesn't matter how well you've saved or invested if your assets aren't protected.
  47. Helping Couples Strategize for Social Security

    Even with the elimination of the file-and-suspend option for couples claiming Social Security, there are strategies they ...
  48. How to Grow Your Retirement Plan to $1 Million

    So you want a million dollar nest egg? These tips will help get get started.
  49. The Crippling Cost of Self-Insuring Long-Term Care

    Covering the cost of long-term care without insurance can deplete retirement savings quickly.
  50. 3 Simple Steps to Begin Estate Planning

    Estate planning is easier than you think. Here are three simple steps to put a plan in place.
  51. 4 Reasons to Never Use Retirement Accounts as Collateral

    Using your retirement account as collateral for a loan does not make good financial sense unless there are no other means ...
  52. 65 or More? Best-Ever Medical Deductions End Dec. 31

    2016 is the last year that seniors only have to reach 7.5% of adjusted gross income before deducting medical costs. Have ...
  53. Retirees: Here's How You Can Go to College for Free

    Although young adults have to pay out tens of thousands of dollars for a college education, retirees can go to college for ...
  54. When Is It Better to Forgo a Roth Account?

    Depending on how much you're currently earning, a traditional IRA sometimes offers more tax relief than its Roth counterpart. ...
  55. Understanding the Benefits of Rollover IRAs

    Need help deciding what to do with your 401(k) plan from a former employer? Here are your options.
  56. Should the Retirement Age Be Increased to 70?

    The general consensus is that Social Security faces a crisis of solvency. How to address it is far less clear-cut.
  57. How to Find the Best Life Insurance Agent

    Choosing a life insurance agent is the first and most important step in obtaining coverage. Buyers should pay attention to ...
  58. 4 Thoughtful Retirement Gift Ideas for Men

    This"best gifts list" of the most thoughtful retirement gifts for men includes items appropriate as gifts from co-workers, ...
  59. What's the Tax Hit on an IRA Withdrawal?

    How much taxes you'll pay on IRA withdrawals depends on a variety of factors. Use this guide to plan ahead.
  60. This is Where Most Pension Funds Invest

    Pension funds have moved beyond traditional investments in bonds and stocks. The new order includes private equity and alternative ...
  61. 4 Reasons to Collect Social Security Payments Now

    The longer you wait to collect Social Security, the more you get. But for people who are in failing health or need income, ...
  62. To Roll or Not to Roll: 401(k) Considerations

    If you're on the fence about keeping your 401(k) or rolling it over, make sure you're considering the following scenarios.
  63. Are Do-it-Yourself Online Wills Right for You?

    An online will site can be an inexpensive and fast way to get that all-important will completed. Find out if this is the ...
  64. 4 Luxury Retirement Communities That Cost Under $5,000 a Month

    Although several luxury retirement communities offer monthly rates below $5,000 per month, many charge hefty entrance fees, ...
  65. Best Roth IRA Stocks for 2016 (HCN, MO)

    The best Roth IRA stocks combine to create a growing stream of dividends with steady capital appreciation and low risk of ...
  66. Social Media: The Hidden Part of Your Estate

    Digital assets like social media accounts and websites are often more complicated to pass on at someone’s death than stocks ...
  67. Your Retirement Planning Checklist

    Whether you're planning to retire in ten years or in two months, this strategic checklist will help you create a retirement ...
  68. Teachers: Who is Managing Your 403(b)?

    It's imperative that teachers research the practices of their retirement fund managers, who should always be working in their ...
  69. How Do Pension Funds Work?

    Traditional private pension funds are well regulated by the government through ERISA and the PBGC. Alternative investments ...
  70. How to Protect Assets from Creditors and Lawsuits

    Proper planning is required to ensure that a client’s assets are truly protected. Here are some strategies that can help ...
  71. Debt After Death: Do Kids Owe for Parents?

    More and more Americans are dying while in debt. Are children responsible for the debts of their parents? What’s the scoop ...
  72. Managing Inherited IRAs: Distributions and Taxes

    If you have inherited an IRA account you don’t need to turn it over to the estate, regardless of what the will says.
  73. 3 Jobs With Good Retirement Benefits

    Jobs with retirement benefits are sought after by U.S. employees. Those retirement benefits can include pensions, 401(k) ...
  74. Understanding Rules on Defined Benefit Pension Plans

    Defined benefit plans offer advantages to both employers and employees. Employers must understand the federal tax rules when ...
  75. 5 Strategies to Avoid Outliving Your Money

    Follow these steps to make sure your money lasts as long as you do during retirement.
  76. How a Personal Pension Scheme (PPS) Works

    A personal pension scheme is a U.K. tax-privileged individual investment vehicle. Find out how this works and the benefits ...
  77. New Rule Opens Door for State-Run Retirement Savings Plans

    The Department of Labor is enticing state governments to set up state-run retirement plans for private-sector workers, but ...
  78. 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 ...
  79. How to Cherish the Days of Retirement

    We spend much of our lives saving for retirement, so it makes sense to spend a few years planning how to make the most of ...
  80. Don't Listen to Advice Without Considering Taxes

    Do not fall prey to the flawed advice that we all have gotten in the past when it comes to saving for retirement. And don't ...
  81. Living with Elderly Parents? Here Are 6 Top Costs

    Living with an elderly parent is a major life change for all of you. Besides the emotional impact, the financial effects ...
  82. Can You Retire In Greece with $200,000 of Savings?

    If you love Greece, its economic problems don't necessarily rule it out as a retirement destination. Here's what to research ...
  83. What to Expect When Using Robo-Advisor Betterment

    Betterment is the largest robo-advisor with more than $5 billion in assets under management. Here is what to expect when ...
  84. Should Retirees Be in the Stock Market Now?

    The question of whether retirees should be in the stock market is complex. A look at the market in 2016 can help retirees ...
  85. What to Expect When Using Robo-Advisor Wealthfront

    Wealthfront is one of the premier robo-advisors. Here's a breakdown on the brokerages fees and features.
  86. Things Your Annuity Salesperson May Not Tell You

    Your variable annuity salesperson should tell you many things. But there's a chance they'll leave out some crucial details.
  87. Fidelity IRA and Roth IRA Review

    Fidelity is a widely recommended online brokerage that offers IRAs and Roth IRAs, as well as other investments, with low ...
  88. Why Early Retirees Should Reconsider the 4% Rule

    Although retirement rules of thumb can be helpful with long-term goals, retirees need flexibility and risk awareness. Sometimes ...
  89. How to Figure Out Your Retirement Money Needs

    Running out of money in retirement can be a tragedy for you and your family. Consider the following factors when determining ...
  90. Self-Directed IRA Exemption: Advisors Take Note

    Here's how the new fiduciary rule impacts custodians of self-directed IRAs and clients who are seeking advice.
  91. How Seniors and the Elderly Can Obtain Life Insurance (MET)

    As life expectancy increases, various life insurance options are available for applicants older than the age of 50, even ...
  92. Top Royce Funds for Retirement (RYFSX, RYSEX, RYTRX, RYIPX)

    Discover four of The Royce Funds mutual funds suitable for diversifying retirement portfolios that focus on investing in ...
  93. How Life Insurance Can Help With Cash Accumulation

    Did you know permanent policies also offer the prospect for reasonable cash value accumulations?
  94. How to Grow Your Tax-Free Bucket of Money

    For soon-to-be retirees, the Roth 401(k) offers a quick way to build up your tax-free bucket for a more comfortable retirement.
  95. How Retirees Should Think About Retirement Income

    It’s the savings you have accumulated for retirement that make the difference between just getting by and being able to enjoying ...
  96. A Cautionary Tale About Retirement Calculators

    How comfortable would you be if you knew that the online retirement calculator you used failed its own test?
  97. How to Follow Investment Committee Best Practices

    More plan sponsors are forming investment committees to fortify their fiduciary standards. These are best practices for investment ...
  98. Best 2016 IRA Promotions (ETFC, BAC)

    Here are some of the best IRA promotions of 2016, with significant bonuses for large deposits.
  99. Vanguard IRA and Roth IRA Review

    Vanguard, one of the industry's largest IRA providers, offers a multitude of low-cost, high-performing retirement account ...
  100. Is Your Client Ready for an Early Retirement?

    Make sure these factors are on your checklist to ensure your client can retire early.
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