How workers can build a dividend portfolio
Dividend income is taxed lower than interest yields. And for the federal taxes that apply, clients can take steps to minimize those as well.
Retirement scan
With lower taxes, consider a Roth conversion to make the most of lower rates
The new tax law lowers the tax rates for many investors, allowing clients to enhance tax savings on the converted amount.
Signing up for Medicare while covered by employer’s health plan
Seniors need to be mindful of enrollment deadlines with Medicare.
This neglected group could get some relief if proposed 401(k) changes happen
Congress is considering a proposal that would allow small companies to create a multiple-employer retirement plan to enable their workers to build their nest eggs,
2 strategies to simplify taxes in retirement
Instead of making quarterly tax payments, retirees have the option of having the payments withheld from their Social Security and pension benefits.
When end-of-life planning is suddenly closer than you thought
Employees who intend to leave a legacy to their loved ones should consider using a Roth IRA.
Retirement bills in Congress could alter 401(k) plans
More small companies would be encouraged to offer retirement savings plans to their employees under a proposed bill.
One of the biggest retirement mistakes investors are making
Many retirement investors are including target-date funds in their 401(k) plans, but this strategy may not be a smart move.
6 financial milestones employees should hit in their 60s
Seniors should have socked away at least 10 times their salary in their retirement accounts by the time they retire to secure their golden years.
Can’t wait until 70? This is the next best age to claim Social Security
If your clients are approaching their late 60s and wondering when to file, there is a second option where they stand to forego the least amount of money.
Most Americans plan to own homes in retirement, but that might be a mistake
Owning a home offers some benefits, such as the option for a reverse mortgage and certain tax breaks, but are they enough to offset the burdens involved.
Why Social Security isn’t going broke
The worry that many feel about the possible reduction in their future retirement benefits as a result of Social Security's dwindling trust fund is misplaced, says an expert.
Is your client’s retirement portfolio all-weather?
Retirement investors should ensure that their portfolios can withstand rising interest rates, inflation and recessions.
One big retirement lie and what workers need to know about it
Socking away all retirement savings in traditional 401(k) and IRA accounts may no longer be wise.
Why didn’t many retirees see a Social Security increase?
Although the cost of living adjustment increased 2% this year, half of retirees cannot expect a substantial increase in their benefits.
The exciting feature 67% of 401(k) plans offer
Two in three plans offer a Roth savings feature, an option 401(k) participants should take advantage to reduce their tax liability.
401(k): Risks and rewards for the rest of 2018
Despite the bumpy ride for 401(k) plans in the first half of this year, some analysts say investors can expect a better scenario for the remainder of 2018.
Baby boomers are ready to retire; their debt isn’t
Debt among 65-year-olds has increased by 48% between 2003 and 2015, according to research by the Federal Reserve Bank of New York.
Why cryptocurrency is making its way into retirement plans
More retirement investors are including cryptocurrency in their portfolio because it helps them achieve diversification.
The next bear market will spark a retirement crisis
While many retirees have prepped well for whatever the economy and markets may bring, far too many others have not, an expert says.
