Lee Conrad

Under the rules, seniors face a tax liability for HSA contributions if they carry health coverage other than the high-deductible policy.

The Roth 401(k) is more flexible than a Roth IRA, and it is funded with after-tax dollars, which can help "diffuse the potential tax bomb."

The Roth 401(k) is more flexible than a Roth IRA, and it is funded with after-tax dollars, which can help "diffuse the potential tax bomb."

While the average savings in retirement accounts increased markedly in recent years, the amounts varied significantly by income levels, experts say.

While the average savings in retirement accounts increased markedly in recent years, the amounts varied significantly by income levels, says an expert.

Healthcare costs are on the rise and Social Security's cost-of-living adjustment isn't enough to keep up with the rising medical costs.

Health care costs are on the rise and Social Security's cost-of-living adjustment isn't enough to keep up with the rising medical costs.

Workers should consider the next market downturn as an opportunity to invest in stocks that are "on sale."

Despite impressive aggregate numbers, the median value of a 401(k) account for someone 65 and over is about $60,000.

Despite impressive aggregate numbers, the median value of a 401(k) account for someone 65 and over is about $60,000.

Seniors might get the policy again if they decided to drop it, but the rules "aren’t really super specific about what should happen in this situation,” one expert says.

Seniors might get the policy again if they decided to drop it, but the rules "aren’t really super specific about what should happen in this situation,” one expert says.

Investors can "make some real money trading, but you really have to know what you are doing,” says one advisor.

Workers should not assume that Medicare will cover all their medical expenses, or that they'll see a decrease in their expenses after they retire.

Clients should not assume that Medicare will cover all their medical expenses, or that they'll see a decrease in their expenses after they retire.

Most retirees said they adapted to their situation of having limited retirement income and they have had few regrets, according to a survey.

Most retirees said they adapted to their situation of having limited retirement income and they have had few regrets.

The Equifax hack has prompted the Trump administration to look at ways to establish a safer technology to replace the existing Social Security number.

The Equifax hack has prompted the Trump administration to look at ways to establish a safer technology to replace the existing Social Security number.

Nearly two-thirds of future and recent retirees are worried there will be cuts to the program under the Trump administration. And an even greater percentage think that it needs to change.