Savings

If your head is in the clouds, check out this down-to-earth financial advice for couples.

Find the firm that's right for you by uncovering how it makes its investment choices.

High-cost, outdated plans can prevent your retirement portfolio from thriving.

If you aren't participating in your employer-sponsored retirement plan, you're missing out! Learn the benefits.

If you worry about inflation and longevity risks, this may be the investment for you.

Consider your own retirement needs when deciding whether to leave an inheritance.

Don't let bad estate planning lead to unnecessary costs and stress for your inheritors.

If this investment product has caused you sleepless nights, it's time to consider alternatives.

If you or someone you love has a disability, these trusts can help ease the cost of care.

How you distribute qualified retirement plan money can affect your taxes and Social Security benefits.

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Learn about a strategy that could help you reduce taxes, diversify your portfolio and generate income.

Learn the truth before you strap yourself into these annuity "seat belts".

The first step is to check with your employer regarding any retirement plan(s) it provides for employees, as you can only participate in a plan sponsored by your employer. As an employee, you are not allowed to adopt any employer sponsored plan, including 401(k) and 403(b) plans.

A savings account is an all-inclusive term , which includes IRAs and regular ( non-retirement) savings. A Roth IRA is a savings account in which earnings accrue on a tax-deferred basis, but are tax free if distributions are qualified. In a regular savings account, earnings are added to an individual's ...

In 2009, the Canadian government began allowing citizens to save more tax-free dollars than ever.

These products tempt investors with some impressive benefits - but they come at a price.

Annuities offer security but also lock up your cash. The secondary market could be your key.

It is never too late to start saving for retirement. Even starting at age 35 means you will have more than 30 years to save.The type of IRA you choose is usually determined by your individual circumstances and preferences. A Roth IRA is usually preferred by individuals who do not qualify for tax deductions ...

Unfortunately, a non-spouse beneficiary is not allowed to rollover assets from a qualified plan. Therefore, purchasing an annuity appears to be the only option for a beneficiary who wants to stretch out payments over an extended period, while preserving the tax-deferred status of the assets.

The early bird may catch the worm, but in shopping, the worm will come to those who wait.

Discover an investment that can provide a stable income once you've left the work force.

This vehicle can provide survivors with guaranteed income and lower premiums.

Your options depend on the type of penalty that would apply. If the penalty is a surrender charge or another penalty that would apply to an annuity or insurance product, you may want to consider leaving the assets in the plan until the time when the penalty will no longer apply.

All Canadians should know the benefits of these flexible education savings plans.

Maximize your Social Security benefits by choosing when you retire.

Investing a client's money in variable annuties is becoming a target for criticism.

It depends. If your business is unincorporated, and you have net earnings from self-employment, you are eligible to establish and fund a retirement plan, including a SIMPLE IRA, based on that income. The IRS defines net earnings from self-employment as gross income from your trade or business minus allowable ...

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You can contribute to both, and when your child is ready to attend college, as colleges do accept payments from both. There are some features and benefits that may make one account more favorable than the other. For instance, the Coverdell education savings account (formerly Education IRA) may be used ...

Find out how to get the upper hand when dealing with this payout challenge.

Your retirement is fast approaching, but your retirement plan needn't change as quickly.

Rollovers allow your tax-deferred retirement assets to grow, even when the world around you is changing.

The income from a SPIA IRA is subject to the early distribution penalty unless an exception applies. As you may know, the substantially equal periodic payment (SEPP) exception is usually calculated by using one of three IRS approved safe-harbor methods.

This comprehensive guide goes through what an Education Savings Plan is and how to set one up, contribute to it and withdraw from it.

This comprehensive guide goes through what a 529 plan is and how to set one up, contribute to it and withdraw from it.

To take advantage of all your investing options, you need to know what your choices are. Here we tell you about the diverse features and advantages of 20 different financial instruments.

Learn how the Canadian government makes saving for your post-work years easy. We take you from your first contribution to your first withdrawal.

You can enjoy your holiday without spending exorbitant amounts of money. Read on for summer budgeting tips.

Find out how this factor determines your life insurance premiums and affects your payout.

There are numerous options available to invest savings for a child's education: State-sponsored "529" college savings plans: State-sponsored 529 plans are investment vehicles that allow you to make tax-free deposits for your child's future college costs.

Find out how to reduce your costs with these inexpensive tips.