IRAs

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

Employees have some simple but significant false ideas about their retirement plans. And employers need to do a better job addressing them during education sessions.

Although the market continues to rally, a possible setback remains likely and retirement investors should be ready for this scenario.

Although the market continues to rally, a possible setback remains likely and retirement investors should be ready for this scenario.

Although traditional IRAs offer upfront tax deductions, clients will have to pay taxes later in life when they likely will be in a higher tax bracket.

Although traditional IRAs offer upfront tax deductions, clients will have to pay taxes later in life when they likely will be in a higher tax bracket.

Those leaving the workforce who want to maximize their nest egg should take advantage of the Rule 72(t) distributions.

While retirees can start taking 401(k) withdrawals without penalties when they turn 59 1/2, they may want to consider drawing from their taxable accounts for their living expenses.

While there are 567 ways to claim benefits, clients are advised to pick a strategy that will maximize a spouse's benefit on their record.

Gold tends to hold its value in the long-term, but it's volatile — almost as much as stocks — so clients may need decades to ride out its ups and downs,