Retirement

  1. 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 ...
  2. 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 ...
  3. Retirement Planning Using Long-Dated Options

    Retirement planning using high-risk options? It is possible, and studies confirm better yields than conventional methods. ...
  4. 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 ...
  5. 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 ...
  6. 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 ...
  7. 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 ...
  8. Should You Delay Your Retirement?

    There are advantages to not retiring at age 66. And more money is not the only reason.
  9. 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.
  10. Retirement Planning: Don't Forget Social Security

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

    We explain how to use annuities for guaranteed income in retirement.
  12. 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 ...
  13. 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 ...
  14. How Are Variable Annuities Taxed?

    Before investing in a variable annuity, discuss your personal financial picture with a knowledgeable financial advisor.
  15. 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 ...
  16. 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.
  17. 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.
  18. 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 ...
  19. 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 ...
  20. 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.
  21. Longevity Annuity Tax Rules: What You Need to Know

    A look inside the intricacies of the IRS' recently finalized longevity annuity tax rules.
  22. 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.
  23. 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.
  24. Top Tips to Reduce Required Minimum Distributions

    A look at the best strategies to reduce required minimum distributions from qualified retirement accounts.
  25. 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.
  26. 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 ...
  27. 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 ...
  28. 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 ...
  29. 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.
  30. Variable Annuities with Guaranteed Benefit Options

    Guaranteed benefit riders protect variable annuities against a market downturn, but they also make an already expensive product ...
  31. Can dividends be paid out monthly?

    Find out if stocks can pay dividends monthly, and learn about the types of companies most likely to do so and how monthly ...
  32. How Retirees Should Think About Market Corrections

    Stock market corrections can be scary for retirees living off their investment income. Panic isn't an option. Retirees can ...
  33. The Top 5 Fixed Annuities for the Risk Averse

    These five fixed annuities are best suited for risk averse and/or retired investors.
  34. 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 ...
  35. 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 ...
  36. 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.
  37. 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 ...
  38. 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 ...
  39. 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 ...
  40. 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.
  41. 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.
  42. 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 ...
  43. How to Break the Paycheck-to-Paycheck Cycle

    Living paycheck-to-paycheck — which many high-income earners do — leaves little wiggle room for any unexpected expenses.
  44. 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.
  45. 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.
  46. 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 ...
  47. Estate Planning Questions to Ask Clients Annually

    Financial advisors need to ask these estate planning questions annually to keep clients on track.
  48. 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 ...
  49. 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. ...
  50. 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 ...
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