Retirement Articles

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  1. 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 ...
  2. 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.
  3. How Social Security works for the self-employed

    As both employee and employer, you have to pay more in Social Security, but there are deductions that can help lighten the ...
  4. 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.
  5. 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 ...
  6. IRA Contribution Limits in 2017

    Find out about the 2017 limits for contributions and income thresholds for individual retirement accounts, including traditional ...
  7. 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?
  8. An Introduction To The Roth 401(k)

    The money that you earn today is taxed today, making tax-free retirement withdrawals a reality.
  9. 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 ...
  10. IRA Contributions: Deductions and Tax Credits

    We outline the incentives and help you take full advantage of the benefits.
  11. 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 ...
  12. 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 ...
  13. 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.
  14. How Much You Should Contribute to Your 401(k)

    The easy answer to how much you should contribute to a 401(k) plan.
  15. 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 ...
  16. 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.
  17. 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.
  18. 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 ...
  19. 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 ...
  20. Reverse Mortgage or Home-Equity Loan?

    If you have equity in your home and need more cash in retirement, a reverse mortgage – or home-equity loan or line of credit ...
  21. 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 ...
  22. 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 ...
  23. 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.
  24. 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 ...
  25. Using your IRA to buy investment property

    Here you'll learn how to use an IRA account to buy investment property.
  26. 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 ...
  27. 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.
  28. Near or over 65? Use these retirement planning tips

    Find out how to save smarter after 65.
  29. 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 ...
  30. 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 ...
  31. The Best Alternatives to a 401(k)

    A 401(k) is the traditional retirement account for most Americans. However, there may be better options.
  32. 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 ...
  33. Getting the whole story on variable annuities

    When you maxed out your annual contributions to 401K, IRA, and other tax-deferred investment vehicles, variable annuities ...
  34. How to make maximum money on 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 ...
  35. Life insurance versus annuity

    There are certain scenarios in which investing in insurance is a savvy move. But expect a big chunk of your money to go toward ...
  36. How to rollover your 401(k) to a new employer

    You CAN take it with you. Here's exactly what you need to know about 401(k) rollovers.
  37. 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 ...
  38. Selecting the payout on your annuity

    Make sure you understand your options for withdrawing your funds from this complex instrument.
  39. Using your IRA to pay off credit card debt

    Cashing in an IRA to deal with outstanding credit card balances may not be the best way, but sometimes it's the best available ...
  40. 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 ...
  41. The purpose of having a social security number

    When (and why) it's necessary to use the nine-digit number that the United States government issues to individuals – and ...
  42. 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 ...
  43. 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 ...
  44. 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.
  45. 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.
  46. Retirement Savings Tools I: Employer Savings Plans

    There are a variety of employer savings plans that can offer multiple routes to saving for retirement.
  47. 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 ...
  48. 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 ...
  49. Making Spousal IRA Contributions

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

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

    How can investors close to retirement protect their savings against inflation? Here are some tips.
  52. 2 Things You Need to Know About 401(k)s

    Understanding and taking advantage of these 401(k) options can increase your retirement savings.
  53. 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.
  54. Top Retirement Prep Questions to Ask Clients

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

    Setting retirement savings goals by decade helps you get on track and stay there.
  56. 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.
  57. Top Tips to Reduce Required Minimum Distributions

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

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

    Can experts who advise 'Spend now!' possibly be right about saving too much?
  60. 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.
  61. 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.
  62. 11 Things You May Not Know About Your IRA

    These little-known features will help you get the most out of your retirement savings.
  63. 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.
  64. Top 6 Myths About Social Security Benefits

    Misinformation on retirement benefits is common. We'll set the record straight.
  65. 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 ...
  66. 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.
  67. 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 ...
  68. 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.
  69. IRA Contributions: Eligibility and Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  70. 4 Medicare Open Enrollment Mistakes to Avoid

    Avoid these 4 mistakes during the Medicare Open Enrollment period (Oct. 15 to Dec. 7).
  71. 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.
  72. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  73. 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 ...
  74. 401(k) Loan vs. IRA Withdrawal

    The IRS offers several ways to skirt the 10% penalty on early retirement distributions.
  75. 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.
  76. Six Ways to Move Retirement Account Money - Part II

    In this second part of the series, three other options for moving retirement money are discussed.
  77. The Widening Retirement Savings Gap

    Due to a variety of factors, by 2050 there will be a $400 trillion retirement savings gap.
  78. Protect Retirement Money from Market Volatility

    The economy has its ups and downs. Investors who take a disciplined approach and diversify their portfolios are better prepared ...
  79. Direct vs. Indirect IRA Rollovers: Which Is Best?

    Direct and indirect retirement account rollovers each have their pros and cons.
  80. 3 Ways to Get Better Retirement Returns in the Next 20 Years

    With investment returns projected to decline over the next 20 years, savers may need to tweak their plans to ensure better ...
  81. Retirement Funds: What Not to Do with Extra Cash

    Before you cash out or raid one of your retirement funds, consider the following things you should not do with that money.
  82. Best Retirement Plan Options for the Self-Employed

    Self-employed business owners can choose from any of these retirement plan options.
  83. The Potential Benefits of a Roth IRA

    No one knows when taxes will increase. With a Roth IRA, future distributions are tax-free.
  84. I Maxed Out My 401(k)! Now What?

    Fear not: There are smart ways to ensure that your retirement nest egg keeps growing.
  85. Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  86. 5 Critical Steps to Take Before You Retire

    Exiting the workforce soon? You need to make sure your financial house is in order. These actions will help you on your way. ...
  87. 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 ...
  88. 3 Reasons Your 401(k) Is Not Enough for Retirement

    Learn the basic structure of a 401(k), and a number of reasons why it may not be substantial enough to secure an individual's ...
  89. Should Your Required Minimum Distribution Be in Cash?

    What is the most tax-efficient way to take required minimum distributions from your retirement plan? Several financial advisors ...
  90. Health Savings Account: Your Extra Retirement Funds

    Funding a health savings account for retirement can save thousands of dollars in taxes.
  91. The Rules on RMDs for IRA Beneficiaries

    Don’t get hit with a 50% penalty because you don’t know the required minimum distribution (RMD) rules for IRA beneficiaries.
  92. 5 Reasons to Retire in Canada

    From proximity to the U.S. to affordable healthcare, there are at least 5 great reasons to consider moving to Canada for ...
  93. 9 Signs You're Saving Right For Retirement

    Do these characteristics sound like you? If so, you're on the right path to retirement!
  94. How a Roth IRA Works After Retirement

    What retirees need to know about taxes, distributions and passing on your unspent savings to the next generation.
  95. 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 ...
  96. 4 Reasons You May Not Want to Delay Social Security Payments

    The longer you wait to collect Social Security, the more you get. But for people who are in failing health or need income, ...
  97. Converting Traditional IRA Savings to a Roth IRA

    When is it a good idea to convert traditional IRA funds into Roth IRA funds? And when does it not make sense?
  98. My Employer Doesn't Offer a 401(k). Should I Care?

    Find out what do if your employer doesn't offer a 401(k) retirement savings plan, including alternative investment options ...
  99. 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 ...
  100. How to Plan a $1 Million Retirement on a Minimum-Wage Salary

    A $1 million retirement is a nice round number to shoot for. With the right planning it’s potentially doable, even on a minimum-wage ...
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