Retirement Articles

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  1. Protect Your Retirement Portfolio From Rising Interest Rates

    Rising interest rates have the potential to impact your retirement portfolio. Here's what helps.
  2. Will Your Retirement Income Be Enough?

    How to figure if you'll have enough for those golden years – and what factors to consider in crunching the numbers.
  3. How to Retire a Millionaire Without a 401(k)

    Can you retire as a millionaire without a 401(k) plan? It may not be easy, but it isn't impossible if you know where to invest ...
  4. When You Start Saving for Retirement Matters

    Saving for retirement doesn't have to wait until you have full-time job or have started your career.
  5. Selling a Business to Fund a Long Retirement

    As life expectancy continues to increase, selling a profitable business is one way to fund a long retirement.
  6. Designations No Retirement Planner Should Be Without

    Advance your career and gain clientele by adding a few choice certifications.
  7. Moving Retirement Plan Assets: How To Avoid Mistakes

    Sometimes things go wrong in a simple transfer of funds. Make sure you know how to avoid penalties.
  8. Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  9. Comparing Contribution Limits: Roth 401k vs. Roth Ira

    Which one works better for you? Read on.
  10. Tips for Properly Aggregating IRA Accounts

    When it comes to IRAs, there are times when they can be combined, or aggregated, and times when they can't. Here are some ...
  11. How IRA Contributions Affect Your Taxes

    Learn how to work with the tax man to avoid getting gouged when you convert your plans.
  12. 4 Unusual Ways to Boost Social Security Benefits

    Working the system to get the highest legal Social Security benefits just got harder. Two long-time benefits strategies expired ...
  13. The Best Strategies to Maximize Your 401(k)

    Everything you need to know about setting up and managing the chief source of your retirement funds. Here are the best strategies ...
  14. How To Rollover A 401(k) To A New Employer

    You CAN take it with you.. Find out what to do when you switch employers and what becomes of your 401(k) plan. Learn exactly ...
  15. Traditional IRA Deductibility Limits

    Find out whether you can take a tax deduction on the contributions you make.
  16. How to Make Your Own Retirement Fund

    Making sure you have a large enough nest egg to retire on is a challenge. Here's how to accomplish the task, one step at ...
  17. Passing the Buck: The Hidden Costs of Annuities

    Annuities may look like good retirement vehicles, but you should be wary of the fees buried in the fine print.
  18. Early Retirement: Strategies to Make Your Wealth Last

    You want more time to pursue your passions without being tied to a time clock. Great! But you need a plan for making your ...
  19. Can a 70-Year-Old Open an IRA?

    It depends. For Roth IRAs, there are no age restrictions. For Traditional IRAs, there are no age restrictions if you are ...
  20. Variable Annuities: A Good Retirement Investment?

    Variable annuities provide lifetime payments and tax-deferred growth, but – given their hefty fees – are they right for you?
  21. Six Critical Rules for Successful Retirement Investing

    Understand which investment vehicles and strategies build you the most fiscally sound retirement.
  22. Saving vs. Investing: Understanding the Key Differences

    The terms saving and investing are sometimes used interchangeably, but they are very different and extremely important to ...
  23. Can I Have More Than One IRA?

    IRAs are an important part of a retirement savings strategy. Here are some of the rules governing these accounts.
  24. IRA Contribution Limits in 2018

    Find out about the 2018 (and 2017) limits for contributions and income thresholds for individual retirement accounts, including ...
  25. Seven Tips 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 about it. ...
  26. 401(k) Plans For The Small Business Owner

    If you own a business, this may be the plan for you! Find out about its benefits and eligibility requirements.
  27. The Purpose of Having a Social Security Number

    Find out when and why it's necessary to use your social security number and when you should avoid using it.
  28. 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.
  29. Top 10 Mistakes to Avoid on Your Roth IRA

    Don't lose out on the benefits of a Roth IRA by contributing too much, breaking rollover rules or making other avoidable ...
  30. Using Your IRA to Pay Off Credit Card Debt

    Cashing in an IRA to pay for outstanding credit card debt may not be the best solution however if it is the only solution ...
  31. 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.
  32. 5 Reasons to Convert Your Roth to a Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  33. 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.
  34. How a 401(k) Works After Retirement

    Find out how your 401(k) works after you retire, including when you are required to begin taking distributions and the tax ...
  35. Best Ways to Save for Retirement without an IRA or 401(k)

    Learn the most common types of savings vehicles used to accumulate money for retirement outside employer-sponsored 401(k)s ...
  36. You Made It! 6 Ways to Ensure a Long-Lasting Retirement

    A quick review of everything you need to do to prepare for a satisfying and financially secure retirement.
  37. Why Your Roth IRA Should Not Be an Emergency Fund

    Using your Roth IRA as an emergency fund can be a costly mistake because of the loss of tax-free growth and compounding.
  38. Breaking Down the TSP Investment Funds

    For investors seeking growth, income and capital preservation, the Thrift Savings Plan offered by the U.S. government is ...
  39. RMDs and the 70+ Employee

    How to plan your RMDs wisely—and possible ways to delay if you don't need the funds right away.
  40. How Social Security Works for the Self-Employed

    As someone who is self-employed, you still have to pay into Social Security; however, there are deductions that can help ...
  41. Doing Required Minimum Distributions (RMDs) Right

    The process for taking required minimum distributions from an IRA account is complicated, and making a mistake is costly.
  42. Roth IRA or Traditional IRA: It Depends on You

    Deciding which type of IRA to use to save for retirement involves learning the differences between them and determining which ...
  43. Is a Target-Date Fund the Best Choice?

    Target-date funds are increasingly becoming the default choice, but can you do better on your own?
  44. An Introduction To The Roth 401(k)

    The money that you earn today is taxed today, making tax-free retirement withdrawals a reality.
  45. Other Retirement Income Sources

    Social Security alone isn't enough for most Americans to live on, so you may need to get creative and discover other ways ...
  46. IRA Contributions: Deductions and Tax Credits

    We outline the incentives and help you take full advantage of the benefits.
  47. Is there a way to opt out of Social Security?

    Understand more about the purpose of the Social Security system and learn which groups of taxpayers are automatically exempt ...
  48. Tax-Savvy Investment Strategies for Retirement Accounts

    A comfortable retirement depends not just on the amount you're able to accumulate but on your investment returns once you ...
  49. Doing It Yourself: The Self-Directed 401(k) and IRA

    Self-directed retirement accounts offer a broader range of investment choices than regular ones do.
  50. How Much You Should Contribute to Your 401(k)

    The easy answer to how much you should contribute to a 401(k) plan.
  51. OAKLX,OAKIX,OAKWX: Top 3 Oakmark Funds

    Learn about what makes Oakmark Funds desirable for retirement investing. Read about the top three Oakmark funds to research ...
  52. The basics of Roth IRA contribution rules

    What you need to know about Roth IRA contributions – from eligibility to dollar limits, to deadlines, to tax breaks.
  53. The Magic Age of 59½

    At age 59½ you can withdraw from IRAs or borrow from your 401(k) without paying a penalty. You will owe income tax on all ...
  54. How Does My Part-time Job Affect Social Security?

    Social Security benefits are important for retirees' finances, but a part-time job can complicate matters if certain benchmarks ...
  55. Designating a minor as an IRA beneficiary

    Leaving an IRA to minors can be a complicated procedure. Make sure you understand how your gift will be distributed, managed ...
  56. 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 ...
  57. Deducting Losses on Your IRA Investments

    Here's when (and how) investment losses in an IRA account can be included as a deduction on your tax return.
  58. Roth 401(k), 403(b): Which Is Right for You?

    Learn how to decide between a traditional and a Roth version of the 401(k), 403(b) or 457(b) retirement plans to help you ...
  59. Using your IRA to buy investment property

    Here you'll learn how to use an IRA account to buy investment property.
  60. How much Millennials need to save to retire comfortably

    Millennials may not be worrying about retirement just yet, but they should be thinking about how much they'll need to save.
  61. Near or over 65? Use these retirement planning tips

    Find out how to save smarter after 65.
  62. Analysis: Should you get a gold IRA?

    Yes, you can invest in actual gold or other precious metals for your IRA. See the special rules for gold IRAs and what to ...
  63. What Happens to a 401(k) After You Leave Your Job?

    Find out what happens to your 401(k) after you leave your job. Learn about your five primary options, including cashing out ...
  64. The Best Alternatives to a 401(k)

    A 401(k) is the traditional retirement account for most Americans. However, there may be better options.
  65. Getting the Whole Story on Variable Annuities

    When you've maxed out your annual contributions to 401K, IRA, and other tax-deferred investment vehicles, variable annuities ...
  66. Life insurance versus annuity

    Are you thinking of buying insurance? There are certain scenarios in which investing in insurance is a savvy move. But expect ...
  67. Power of attorney: When you need one

    Having a power of attorney ensures that you select who will act for you when you are unable to handle your affairs. Without ...
  68. Selecting the payout on your annuity

    Are you thinking of purchasing annuity? Make sure you understand your options for withdrawing your funds from this complex ...
  69. Retirement Savings Tools II: IRAs

    An individual retirement account can increase your savings beyond your employer's retirement plan (or if you don't have an ...
  70. Why financial literacy is so important

    Financial literacy is the confluence of financial, credit and debt knowledge that is necessary to make the financial decisions ...
  71. Present and Future Value of Annuities

    Do you want to invest in annuities that get you a series of payments over a period of time. Here's everything you need to ...
  72. Sometimes it pays to borrow from your 401(k)

    401(k) loans have been demonized, but they're often the most beneficial source of cash.
  73. How to set up a trust fund if you're not rich

    You don't need to be wealthy to create your own trust fund. Here's why and how to go about it.
  74. Retirement Savings Tools I: Employer Savings Plans

    There are a variety of employer savings plans that can offer multiple routes to saving for retirement.
  75. Setting a Money Goal Based on Your Retirement Age

    Arriving at a target nest egg is a highly personalized question, and the age when you leave the workforce is often the biggest ...
  76. Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  77. When 401(k) In-Service Withdrawals Make Sense

    In-service withdrawals from a 401(k) may be a wise consideration under the right circumstances.
  78. For Older Investors, Tips on How to Beat Inflation

    How can investors close to retirement protect their savings against inflation? Here are some tips.
  79. 2 Things You Need to Know About 401(k)s

    Understanding and taking advantage of these 401(k) options can increase your retirement savings.
  80. It's Never Too Early to Start Saving

    The earlier you begin investing, the more stable your future will be in the short and long term.
  81. Top Retirement Prep Questions to Ask Clients

    Is your client really ready for retirement? Here are some essential questions to ask.
  82. Retirement Savings: Keep Your Eyes on the Prize

    Setting retirement savings goals by decade helps you get on track and stay there.
  83. How Much You Should Have Saved (by Age)

    Knowing how much you should have saved at each stage of your life provides a way to get – and stay – on track for retirement.
  84. Top Tips to Reduce Required Minimum Distributions

    A look at the best strategies to reduce required minimum distributions from qualified retirement accounts.
  85. Introduction: Protecting Your Nest Egg

    Protecting your nest egg involves maximizing savings and minimizing taxes. For the following 12 weeks, we will explain the ...
  86. Are You Saving Too Much?

    Can experts who advise 'Spend now!' possibly be right about saving too much?
  87. Inherited IRA and 401(k) Rules Explained

    What you need to know when it comes to the complex rules for inherited IRAs and 401(k)s.
  88. 5 Best Practices for Using Housing Wealth in Retirement

    Here are five, often overlooked, ways home equity can be used as a source of retirement income.
  89. 11 Things You May Not Know About Your IRA

    These little-known features will help you get the most out of your retirement savings.
  90. Avoiding Mistakes in Required Minimum Distributions (RMDs)

    If you don't calculate your required minimum distributions accurately, you might have to pay a hefty penalty.
  91. Top 6 Myths About Social Security Benefits

    Misinformation on retirement benefits is common. We'll set the record straight.
  92. 401(k) Contribution Limits in 2017-18

    Find out what the contribution limits are for 401(k) retirement savings plans in 2017-18, including individual, employer ...
  93. Retirement Savings Tips for 35-to-44-Year-Olds

    Learn how the "sandwich generation" can save for retirement while taking care of their kids and parents.
  94. A 401(k) or IRA Is Only Part of a Retirement Plan

    Your 401(k) or IRA should only be a small part of your retirement plan.
  95. IRA Contributions: Eligibility and Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  96. 4 Medicare Open Enrollment Mistakes to Avoid

    Avoid these 4 mistakes during the Medicare Open Enrollment period (Oct. 15 to Dec. 7).
  97. How to Save for Retirement in the Gig Economy

    Even if you decide to freelance or be self-employed, there are still ways to save for retirement.
  98. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  99. The Benefits of Starting an IRA for Your Child

    Many financial experts and educators believe that the earlier children begin learning about money, the better their chances ...
  100. 401(k) Loan vs. IRA Withdrawal

    The IRS offers several ways to skirt the 10% penalty on early retirement distributions.
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Hot Definitions
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