Editorial Staff

Clients should be especially mindful of market movements during the "fragile decade," the span beginning five years before retirement until five years after retirement.

The most important consideration is that employees are able to complete the 35-year work period because benefits are based on the 35 highest-paid years from their careers.

Clients should plan to replace roughly 80% of their pre-retirement income after they leave the workforce for good.

Make sure workers understand that a 401(k) rollover could trigger a hefty tax bill, and that liquidating assets before the age of 59 1/2 could mean a hefty penalty.

Make sure clients understand that a 401(k) rollover could trigger a hefty tax bill, and that liquidating assets before the age of 59 1/2 could mean a hefty penalty.

Clients should work together with their spouses and plan as a couple to develop a Social Security claiming strategy that will maximize their retirement benefits.

Seniors are advised to withdraw from taxable and other retirement accounts before taking distributions from their HSA.

The government should tax the health insurance that employers provide to employees to generate revenue to fix Social Security's financial woes, says Harvard professor.

Employers' 401(k) matching contributions this year are likely to reach 4.7% of worker's pay, up from 3% in 2009.

Employers' 401(k) matching contributions this year are likely to reach 4.7% of worker's pay, up from 3% in 2009.