Confronted with college costs, parents reach for their 401(k)s
As college costs rise, parents are resorting to increasingly costly means to pay for their children's educations. The loss in retirement savings is rarely recovered.
Retirement planning
Navigating retirement insecurity with the right workplace benefits
A certified financial planner breaks down barriers employees face in accessing retirement plans and saving enough.
Are employees getting what they need from their 401(k)s?
More than half of employees rely primarily on their 401(k) plan provider for retirement and financial planning advice.
Vast majority of HSA savers skip the investing option
Despite health savings accounts being highly tax-advantaged, most savers do not fully utilize their unique benefits, new data from the Employee Benefit Research Institute shows.
Most Americans get these retirement questions wrong. Can you do any better?
A TIAA Institute survey found that the average U.S. adult cannot answer a majority of retirement-related questions.
The 10 cities where retirees receive the highest income
Retiree income in the U.S. lags far behind the national median for household earnings, but these top cities are bucking the trend, according to a new SmartAsset study.
Career moves: Why these retirement advisers shifted to healthcare
In this multi-part series, advisers share how the transition from retirement to healthcare changed their client strategies.
Long-term care costs can derail retirement plans. Here’s how to manage them
A new Morningstar study found that long-term care costs can dramatically impact retirement plans, with 41% of households projected to run out of money when such expenses are incurred.
Remote workers are delaying retirement. Is that a good thing?
A new study from the Center for Retirement Research found that older remote workers are working longer than their in-office counterparts.
A wave of ERISA lawsuits could alter workplace retirement plans
Novel legal theories and a lower bar for plaintiffs could unleash an explosion in ERISA-based lawsuits against 401(k) plan providers.
A job-hopping slowdown could be a boon for retirement savings
Wage growth for job-hoppers is on the decline, but that might be a good thing for long-term retirement savings.
Retirees don’t mind living in expensive states. Should they?
Retirement savings can stretch further in some states than others, but retirees don't appear to care much about that fact, data shows.
Social Security COLA set to fall again as seniors feel the pinch
As inflation cools, Social Security's annual cost-of-living adjustment is projected to decline in 2026. Seniors say the benefit bump won't be enough.
As life expectancy rises, retirement strategies lag
Ignoring life expectancy research can lead to miscalculations, as under- or overestimating a client's lifespan will impact financial plans.
Retirement plan analysis suggests rampant fiduciary breaches
Nearly 84% of U.S.-based plans have an ERISA violation, spotlighting a need for independent benchmarking audits.
$1M in HSA is a rosy projection. But smaller savings still pay off
The estimate for the amount required for 65-year-old spouses is one of many from a study full of figures that advisers can use to highlight the value of HSAs.
Self-directed SIMPLE IRAs: What employers need to know
SIMPLE IRAs provide greater investment flexibility than traditional options, making them appealing to employers and employees alike.
How HSAs pay off in retirement — with caveats
A client's immediate health needs make saving their accounts until they're 65 or over a difficult endeavor, and the accounts carry some highly specific rules.
Vast majority of seniors say Social Security COLA is inadequate
The vast majority of seniors surveyed about Social Security's COLA say the number should be as much as five times higher than the government is forking over this year.
Benefits Think How human retirement planners can edge out AI competition
AI-driven faux-emotional chatbots pose existential questions about the future of human financial advisors.
Joseph Coughlin
MIT AgeLab