Investment strategies

The IRS is relaxing some rules to make pulling money from retirement plans easier after hurricanes Irma and Harvey, but clients should remember the taxes and penalties associated with withdrawals are unchanged,

Workers should start shoring up their savings by chipping in as much as they reasonably can to their employer’s retirement plan, especially if it comes with a matching contribution.

These two accounts are both funded with money that has already been taxed, but there are still important differences that clients need to know.

Pre-retirees should have Medicare or health insurance in place to cover their medical costs, along with a well-maintained investment portfolio.

Retirees should weigh a number of factors, including the fact that the closing costs for reverse mortgages are higher than those for regular mortgages.

Retirees should weigh a number of factors, including the fact that the closing costs for reverse mortgages are higher than those for regular mortgages.

New retirees are often anxious about spending to much, depriving themselves of some comforts of life for fear of outliving their nest egg.

New retirees are often anxious about spending to much, depriving themselves of some comforts of life for fear of outliving their nest egg.

Workers should be especially mindful of market movements during the "fragile decade," the span beginning five years before retirement until five years after retirement.

Clients should be especially mindful of market movements during the "fragile decade," the span beginning five years before retirement until five years after retirement.

Employers' 401(k) matching contributions this year are likely to reach 4.7% of worker's pay, up from 3% in 2009.

Employers' 401(k) matching contributions this year are likely to reach 4.7% of worker's pay, up from 3% in 2009.

Real estate can be a good investment because historical data show that increases in rental rates outpace inflation, but there are caveats for workers to consider.

Real estate can be a good investment because historical data show that increases in rental rates outpace inflation, but there are caveats for clients to consider.

Those who expect to stay longer on their jobs could be hurting their prospects, as many people are forced to retire early because of health issues.

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,

Retirees are advised to adopt a less aggressive approach to investing and reduce their risk exposure.

Retirees who retire before 65 and want to reduce their premiums are advised to keep their taxable income between $12,060 and $48,240 (for singles) or $16,240 and $64,960 (married couples).

Retirees are advised to adopt a less aggressive approach to investing and reduce their risk exposure.

Those who leave the workforce before age 65 and want to reduce their premiums are advised to keep their taxable income between $12,060 and $48,240 for singles.