401(k)

Conventional wisdom says to postpone filing for benefits until full retirement age or, even better, until your 70th birthday. Are there some cases when that doesn't apply?

One approach to determine a retirement withdrawal rate is to set a fixed percentage of their portfolio every year, says an expert. But there are other strategies, as well.

Compared to lower earners, clients with moderate and higher incomes will owe more taxes on the distributions from tax-deferred accounts after they retire.

Companies should consider offering older workers the option of taking a phased retirement to enable them to transition to the golden years.

Workers should consider contributing the maximum amount to their 401(k)s, whose contribution limits have increased for this year.

Seniors who intend to get a Medigap policy to supplement their traditional Medicare coverage may have trouble getting one.

Although rainy day funds can be useful in the ongoing struggle to curtail leakage of savings from defined contribution plans, they won’t plug the biggest hole in the retirement system’s proverbial bucket.

Thousands of federal workers who are furloughed or working without pay because of the partial government shutdown should use budgeting to cope with the hard times.

Federal employees who retire during the partial government shutdown would have to wait a longer time to take retirement distributions from their savings plans.

Employers, time to brush up on — and tell employees about — caps set by the IRS for the coming year.