The big decision in retirement: Rent or buy
Owning a home can bring tax benefits, as well as equity that can be used to create an income stream, but in some cases a rental can be a better deal for retirees.
Roth IRAs
Advocates fear Trump tax plan may ‘Rothify’ 401(k) plans
Some consumer advocates worry that this will negatively affect small businesses and middle- and low-income Americans.
Pay off student loans or save for retirement? The answer may be surprising
The answer is in the investment details. If employers offer a match, contribute at least enough money to get it. Matches are 'free money' that give an instant return.
Pay off student loans or save for retirement? The surprising answer
If an employer offers a match, employees should contribute at least enough money to get it.
Collect Social Security at 62 and spousal at full retirement age?
Each pre-retiree couple is in a unique circumstance, and needs to account for their health and longevity, as well as their willingness and ability to work.
3 mistakes workers make with retirement withdrawals
Not tapping tax-deferred retirement accounts until the age of 70 1/2 can be a wrong move, as required minimum distributions can be big enough to push retirees to a higher tax bracket.
3 mistakes people make with retirement withdrawals
Not tapping tax-deferred retirement accounts until the age of 70 1/2 can be a wrong move, as required minimum distributions can be big enough to push retirees to a higher tax bracket.
How to guarantee workers an 8% return
The most important consideration is that employees are able to complete the 35-year work period because benefits are based on the 35 highest-paid years from their careers.
How to help workers get a jump on saving in their 20s
Although traditional IRAs offer upfront tax deductions, clients will have to pay taxes later in life when they likely will be in a higher tax bracket.
How to help clients get a jump on saving in their 20s
Although traditional IRAs offer upfront tax deductions, clients will have to pay taxes later in life when they likely will be in a higher tax bracket.
These funds can help boomers avoid 50% tax penalty
A new line of mutual funds can help retirees manage their RMDs – which many fail to take – and avoid the hefty penalty.
These funds can help boomers avoid 50% tax penalty
A new line of mutual funds can help retirees manage their RMDs – which many fail to take – and avoid the hefty penalty.
Why raising Social Security’s full retirement age is a bad idea
Continuously increasing the FRA is particularly hard on lower-income workers because they tend to retire early.
Seed a Roth IRA for grandkids
Retirees can help their grandchildren prepare for future expenses or build a tax-free retirement income.
How retirees can survive and thrive in the gig economy
Retirees are advised to find gigs that suit them and have realistic expectations about the work they do.
How retirees can survive and thrive in the gig economy
People who have left the workforce and wish to return are advised to find jobs that suit them.
What workers get right about Social Security, and what they don’t
More people are planning to wait to file for benefits, but just 25% are even aware of their full retirement age.
Should employees convert to Roth if income rises?
A couple who expects to earn a bigger income in the future is advised to convert part of their IRA into a Roth now while they are in a lower tax bracket.
Should clients convert to Roth if their income is rising?
A couple who expects to earn a bigger income in the future is advised to convert part of their IRA into a Roth now while they are in a lower tax bracket.
IRA options for the self-employed
Here’s how to decide whether your client should select the traditional or Roth IRA to put away for retirement and boost their savings.
