Bill targets $10M+ retirement accounts with new distribution rules
Some ultrahigh net worth clients would be affected by a change to retirement plan contribution and distribution rules that's under consideration in Congress.
Retirement planning
Private assets in defined contribution plans could top $1T by 2030
A Deloitte analysis shows that alternative allocations — to private equity, private credit and other vehicles — in DC plans could grow quickly.
Why some advisors prefer HSAs over IRAs for retirement savings
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
The pros and cons of rolling over a client’s 401(k)
There's value in having money in one place, but some 401(k) rules make rollovers more trouble than they're worth.
5 ways advisors can get more out of HSAs
Advisors suggest multiple ways that clients can maximize the triple tax advantages of health savings accounts (HSAs) while avoiding penalties.
401(k) convos give advisors inroads with next-gen clients
If wealth management clients have children who are recent college graduates, pointing them in the right direction on their first 401(k)s helps build strong connections with two generations.
How does your state rank in retirement savings?
A new SmartAsset study finds that retirement savings vary widely by state in 2026. See how your state ranks.
Trump unveils $1K federal match to target retirement savings gap
President Donald Trump unveiled a federal plan offering government-backed retirement accounts with a $1,000 annual match for workers without employer-sponsored plans.
3 issues shaping the future of retirement planning: Morningstar
The focus of retirement planning is shifting, according to Morningstar experts, moving away from simple saving toward bespoke decumulation strategies and guaranteed lifetime income solutions.
Article Enhance the effectiveness of your EAP and 401(k) offerings with real financial wellness
See how Ramsey SmartDollar helps shifts financial wellness behaviors, not just numbers.
Product demo Empower employee financial wellness
Built on a step-by-step plan, Ramsey SmartDollar is a financial wellness program that helps employees take control of their money.
Labor Department backs fiduciaries in 401(k) forfeiture lawsuits
The Labor Department is siding with plan sponsors in a growing wave of ERISA lawsuits challenging how forfeited 401(k) funds are used.
Why claiming Social Security at 62 isn’t a mistake
Financial advisers often urge clients to delay Social Security to maximize benefits, but new research suggests early claiming may be a rational choice.
J.P. Morgan finds critical flaw in fixed retirement withdrawal strategies
Popular retirement withdrawal strategies like the 4% rule assume a steady rate of spending for retirees. But new research from J.P. Morgan shows that premise is often disconnected from reality.
Child-free savers are falling behind on estate and long-term care planning
New research highlights a widening planning gap among child-free savers, with lagging estate and long-term care planning exposing unique risks.
401(k) loans act as lifeline for savers facing health and housing shocks
Most borrowers use defined contribution plan loans for essential health and housing costs rather than discretionary spending, new EBRI research found.
Childhood trauma linked to major retirement shortfalls, study finds
Researchers found that potentially traumatic childhood experiences, including physical abuse and parental separation, have lasting financial consequences, shaping workers' savings and retirement security decades later.
Family feuds: Advisers navigate beneficiary designation disputes
Mindful of cumbersome rules and the potential for blended-family feuds, advisers can help take the lead on keeping the peace for benefit plan participants.
Medicare premiums erode Social Security COLA in 2026
Rising Part B costs will absorb much of Social Security's 2026 cost-of-living adjustment — leaving less room in retirees' budgets.
Gen Z investors are all-in on Roth. Here’s why
Generation Z is favoring Roth accounts like no generation before, new Fidelity research shows.