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Benefits are meant to replace just 40% of preretirement income, so many retirees should consider creating new income sources, such as running a small business or renting out a property.
Working longer and taking on a part-time job are two of the simple strategies for workers to curb the impact of a market correction. But there are other tips to consider as well.
Taking these steps can help clients insulate themselves from some of the market volatility that we've been experiencing recently, says one expert.
If your employees' goal is to save more for retirement, there are some simple steps they can take to make that resolution stick.
This strategy enables retirees to restrict their application to spousal benefits and allow their benefit to grow until they reach 70.
Want to have a fulfilling retirement? Employees are advised to set goals and have a bucket list of activities that will make them productive.
Employees who plan to retire next year should ensure they have enough savings to cover their healthcare expenses before making a decision.
There can be benefits in enrolling simultaneously, but there are also incentives to consider in waiting on Social Security instead of claiming benefits at 65 when Medicare kicks in.
Clients can often retire smoothly even during a downturn if they diversify and rebalance their portfolios properly, as well as pay off debts and maximize their Social Security benefits.
A widely held view is that a lot of spending is wasted on “heroic” measures at the end of life, but it’s difficult to know which patients are in their final year.
The new year is expected to be a turning point that will help more workers secure their retirement.
Millennials should start setting money aside early and consistently, but without depriving themselves.
One of the major provisions of proposed legislation would require 401(k) plans to offer annuities so participants could create new income streams.
Despite Social Security's financial woes, the revenue shortfall can be easily fixed, say experts at Boston College Center for Retirement Research. But it will only go so far in paying for living expenses.
Failing to take the mandatory distribution on time may push retirees to a higher tax bracket.
Seniors should not only have a financial plan in place, but activities to keep them preoccupied.
Lower-earning spouses who took time off to raise children or care for an aging parent may not be eligible based on the taxes they paid into the system.
Some people have a hard time getting their one-time pass code to log on to their My Social Security account.
Workers should urge their employers to offer this savings option in their 401(k) plans to save for emergency and unforeseen expenses.
The program could see benefit cuts and undergo significant changes in the future, and this poses a problem for seniors who depend on it for their main source of retirement income.
