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Retirement
What Is an Annuity? A Way to Turn Savings into Income

What Is an Annuity? A Way to Turn Savings into Income

Throughout your working life, you’ve focused on saving money for the future. Now it’s time to switch gears and focus on how you’ll turn your savings into income that may potentially need to last 30 years or more. According to the Social Security Administration, about one out of four people age 65 today will live past age 90, and one out of 10 will live past age 95...

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3 Reasons to Do a Mid-Year Investment Review
May 8, 2018

3 Reasons to Do a Mid-Year Investment Review

Financial checkups can be an effective way to measure progress toward your goals. They can show you what’s working well and uncover issues you may need to...

Getting Started with Retirement Planning? Here are a Few Steps
April 11, 2018

Getting Started with Retirement Planning? Here are a Few Steps

It’s never too early to start saving for retirement. If you’ve already started, and set aside even a little bit, congratulations. You’re ahead of a sizable portion of ...

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Pursuing a Secure Retirement in the 21st Century
April 10, 2018

Pursuing a Secure Retirement in the 21st Century

Have you heard the phrase “not your grandparents’ (or parents’) retirement”? It’s often used by industry professionals and the media when describing...

Small Business Spotlight: Simplified Employee Pension (SEP) IRA
April 4, 2018

Small Business Spotlight: Simplified Employee Pension (SEP) IRA

If you’re a small business owner, you’re part of the backbone of the economy. The Small Business Administration (SBA) estimates that 99.7% of all ...

Tax Liability in an IRA? Unrelated Business Taxable Income (UBTI)
March 22, 2018

Tax Liability in an IRA? Unrelated Business Taxable Income (UBTI)

An Individual Retirement Account (IRA) is a tax-favored vehicle used to set money aside for retirement. With a traditional IRA, you may be able to deduct your ...

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IRA Tax Deduction? Know the Types, Tax Advantages of IRA Plans
March 21, 2018

IRA Tax Deduction? Know the Types, Tax Advantages of IRA Plans

Stashing money away for your retirement is a wise, even necessary, thing to do. So as you consider saving up for your golden years, you might want to take a look at ...

Top Retirement Locations Mix Affordability, Healthcare, Lifestyle
March 14, 2018

Top Retirement Locations Mix Affordability, Healthcare, Lifestyle

The process of sorting out and nailing down the best places to retire – or more specifically, the best place for you to retire – is very much in the eye of the beholder.

Traditional or Roth IRA: Which is Right for You?
March 9, 2018

Traditional or Roth IRA: Which is Right for You?

An Individual Retirement Account (IRA) is the primary way many people save for retirement because they don’t have access to a plan at work. Others use it to supplement ...

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Busy Small Biz? Consider Simplified Employee Pension (SEP IRA)
March 7, 2018

Busy Small Biz? Consider Simplified Employee Pension (SEP IRA)

As a small business owner or sole proprietor, you may be the one who manages it all—sales, marketing, customer service, billing, and quality control. While being the ...

Nearing Retirement? Five Steps to Prepare for Retirement Taxes
February 27, 2018

Nearing Retirement? Five Steps to Prepare for Retirement Taxes

Getting ready to retire? Congratulations! Whether it’s a few years down the road or a few months ahead, retirees should take as much care thinking about the tax ...

Can I Contribute to a 401(k) and an IRA? Yes; Here’s How
February 21, 2018

Can I Contribute to a 401(k) and an IRA? Yes; Here’s How

You’ve heard this all before about saving for retirement: Do it early in your career, and your life, for that matter; “pay yourself first” with automatic retirement ...

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Discover How 401(k) Fees May Impact Your Retirement Savings
February 15, 2018

Discover How 401(k) Fees May Impact Your Retirement Savings

When selecting the investments for your 401(k) account, it’s important to compare the available investment choices to see which one(s) may help you pursue...

Retirement & Tax Strategies for Income Protection
February 14, 2018

Retirement & Tax Strategies for Income Protection

Retirement is full of possibilities. Will you travel? Pursue a new career or hobby? Volunteer in your community? Spend more time with friends and family? No matter ...

Welcome to 2018: Time to Check in with Your Retirement Plan
February 9, 2018

Welcome to 2018: Time to Check in with Your Retirement Plan

Chances are you've put an actionable retirement plan into place, but sometimes life can get you sidetracked. It's a question that weighs on the minds of most investors ...

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Through the Years: Keeping Asset Allocation Aligned with Goals
February 2, 2018

Through the Years: Keeping Asset Allocation Aligned with Goals

Don’t put all your eggs in one basket. This timeless advice, passed down for generations, is especially true when it comes to investing. Whether you’re just ...

Retirees to See 2% Social Security Cost-of-Living Boost in 2018
January 31, 2018

Retirees to See 2% Social Security Cost-of-Living Boost in 2018

If you’re on Social Security, you’re getting a bigger cost-of-living adjustment than last year. But that’s a bit of a double-edged sword, because it means you’re paying ...

That 401(k) Plan Might Be Costly: New Tool Shines Light on Fees
January 30, 2018

That 401(k) Plan Might Be Costly: New Tool Shines Light on Fees

You may know exactly what you pay each month for your mortgage, your car payment, and your cable bill. Heck, you might even have a pretty good idea of what you ...

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Approaching Retirement? New Financial Objectives and Mindset
January 12, 2018

Approaching Retirement? New Financial Objectives and Mindset

Retirement is a time of adjustment and change. Some retirees may ditch the alarm clock. Others say they’re busier in retirement than they were in their working ...

Building A Retirement Budget: There's Room for Fun If You Plan
January 11, 2018

Building A Retirement Budget: There's Room for Fun If You Plan

Let's face it: the retirement funding formula has shifted over the past couple generations. Pensions, once the norm among private companies, have been supplanted ...

Steer Your Tax Strategy Forward as You Approach Retirement
January 10, 2018

Steer Your Tax Strategy Forward as You Approach Retirement

The road to retirement is changing, and the phrase “near retirement” can mean different things to different people. For example, you might decide it's time to try out a ...

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Balancing Portfolio Risk and Growth After You've Retired
December 27, 2017

Balancing Portfolio Risk and Growth After You've Retired

Now that the bulk of holiday spending is behind us, it’s time to get back to thinking about saving money again—specifically, your retirement savings portfolio. Entering ...

Estate Planning At Any Age: It's Not Just for the Wealthy
December 20, 2017

Estate Planning At Any Age: It's Not Just for the Wealthy

You may be relatively young and not feel particularly rich, but that doesn't mean you should ignore estate planning...

9 Ways to Try to Start the New Year on the Right Financial Foot
December 13, 2017

9 Ways to Try to Start the New Year on the Right Financial Foot

As the calendar ticks down to the end of 2017, it’s time to take measure of your financial status, your goal-tending, and the tax hit you might be facing. The tax ...

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How Your Retirement Will Be Different from Grandpa’s
December 6, 2017

How Your Retirement Will Be Different from Grandpa’s

News flash: Retirement has changed. Most of us probably know it doesn’t work quite like it used to. The biggest way retirement is different nowadays is a shift in ...

To Downsize or Not: Boomers Question What To Do With Empty Nests
November 24, 2017

To Downsize or Not: Boomers Question What To Do With Empty Nests

The leaves are changing color, the kids are back in school and for some parents who have sent their last child off ...

Five Self-Employed Retirement Plans Designed for the Entrepreneur
November 22, 2017

Five Self-Employed Retirement Plans Designed for the Entrepreneur

As an entrepreneur, you possess the enterprising go-ahead to bear risks in pursuit of a long-term vision; the ingenuity to seize potential within even the smallest of ...

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Single and Middle Aged? Is It Time to Check Your Retirement Plan?
November 16, 2017

Single and Middle Aged? Is It Time to Check Your Retirement Plan?

If you’re single and middle-aged, you might not be saving enough for retirement, a new survey shows. Less than one-third of single Americans (29%) rate themselves as ...

Have You Done Your Annual Retirement Planning Checkup?
November 15, 2017

Have You Done Your Annual Retirement Planning Checkup?

As the last weeks of 2017 draw nigh, it’s time to assess your retirement accounts and do a bit of retirement planning. First, be sure the beneficiaries and contact ...

New Tax Time Strategy: Tax-Loss Harvesting
November 8, 2017

New Tax Time Strategy: Tax-Loss Harvesting

Traditionally, tax-loss harvesting has been thought of as a complex strategy reserved for the most sophisticated investors.

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Start Retirement Planning While Time Is on Your Side
November 8, 2017

Start Retirement Planning While Time Is on Your Side

When you're a young investor, retirement may seem far away. But there are good reasons to start preparing now.

Charitable Remainder Trusts: Have Some Cake, and Eat Some Too
November 1, 2017

Charitable Remainder Trusts: Have Some Cake, and Eat Some Too

You know the old adage about having your cake and eating it, too. And the other one about not being able to take it with you. With a charitable remainder trust, you ...

Empty Nesters Flying the Coop? Tips for a Downsized Life
October 18, 2017

Empty Nesters Flying the Coop? Tips for a Downsized Life

The kids are all grown up and officially out the door. Here you are in this big, empty house, with a yard to maintain and lots of space you may not need as you head into ...

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Late Start to Your Retirement Savings: Don't Panic
October 16, 2017

Late Start to Your Retirement Savings: Don't Panic

As with many of life’s long-term goals, it’s never too late to start saving for retirement. But a late start to retirement savings—we’re talking about a couple of ...

Life Happens: Preparing for the Unexpected On Way to Retirement
October 12, 2017

Life Happens: Preparing for the Unexpected On Way to Retirement

Some people spend decades preparing for a comfortable retirement, only to get derailed by unexpected events.

Interest Rates Edging Higher; Is It Time to Consider Annuities?
October 11, 2017

Interest Rates Edging Higher; Is It Time to Consider Annuities?

Interest rates have been rising, albeit at a snail’s pace. Some investors saving for retirement want to know what rising rates might mean for annuities, and whether it ...

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Employer-Sponsored Retirement Plans: Take Advantage Early
October 5, 2017

Employer-Sponsored Retirement Plans: Take Advantage Early

If you’re just beginning your career, you might have prioritized paying off college debt and building emergency savings rather than retirement. Ironically, though ...

Managed Portfolios: Attempting to Harmonize Opportunity and Risk
October 4, 2017

Managed Portfolios: Attempting to Harmonize Opportunity and Risk

A well-designed managed portfolio aims to be like a skillfully crafted piece of music: It sets forth a unifying theme that commands progression from beginning ...

Small Business Retirement: Debunking Some Common SEP Myths
September 27, 2017

Small Business Retirement: Debunking Some Common SEP Myths

Small business owners sometimes use Simplified Employee Pension (SEP) IRAs to contribute money to their employees’ retirement, or even to their own.

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Help Wanted: Experience Required—Job-Search Tips for Older Workers
September 20, 2017

Help Wanted: Experience Required—Job-Search Tips for Older Workers

Searching for a job is hard, whatever your age and whatever the economy’s status. That probably doesn’t come as news to anyone. Older, late-career workers ...

Ready to Write Your Will? Experts Recommend Several Dos and Don’ts
September 13, 2017

Ready to Write Your Will? Experts Recommend Several Dos and Don’ts

Along with death and taxes, there seems to be a third certainty for Americans: a reluctance to think about, talk about, and properly and legally prepare for the first ...

Preferred Stock: A Potential Income Arrow in the Quiver
September 6, 2017

Preferred Stock: A Potential Income Arrow in the Quiver

As interest rates continue to be low, where should you search for yield? Should you consider adding preferred stock to your portfolio? Although the Federal Open ...

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Putting Off Your Estate Planning? These 5 Tips Can Help
August 31, 2017

Putting Off Your Estate Planning? These 5 Tips Can Help

If there’s one subject many of us tend to avoid thinking about, it’s estate planning. Maybe you wrote a will back when you first had kids, but you haven’t touched it in ...

Making Your Money Last in Retirement with Fixed Income
August 23, 2017

Making Your Money Last in Retirement with Fixed Income

First the good news: Life expectancies are rising. Now the better news: There are investments that may help you generate income so you’re better equipped to handle

Long Time Horizon: Is It Ever OK to Ignore Your Retirement Portfolio?
August 16, 2017

Long Time Horizon: Is It Ever OK to Ignore Your Retirement Portfolio?

Our lives are busy. There are children to feed and educate, bills to pay, bathrooms to clean, lawns to mow, TV programs to watch, social media sites to peruse ...

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More than Sun and Golf: Key Factors for Choosing a Retirement Location
August 9, 2017

More than Sun and Golf: Key Factors for Choosing a Retirement Location

Choosing where to retire is one of the most important decisions a person can make, and abundant sunshine and access to golf courses are just a couple of the ...

Downsize Upshot: Choosing a Retirement Community
August 2, 2017

Downsize Upshot: Choosing a Retirement Community

If you're an empty nester who's getting older, you may like the idea of downsizing. But if you don’t fancy moving into the sub-400-square-foot residences espoused by ...

Why Wait? When It Comes to Social Security, Patience Can Pay
July 26, 2017

Why Wait? When It Comes to Social Security, Patience Can Pay

Some say 70 is the new 50. That’s up for debate, but as far as Social Security is concerned, perhaps it’s fair to say 70 is the new 66. Huh? Stay with us, because this ...

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Estate Planning: Build Up, Draw Down, Distribute Balance
July 19, 2017

Estate Planning: Build Up, Draw Down, Distribute Balance

You’ve worked hard to build your savings and want to protect them not only for yourself, but also for your heirs and community after you’re gone. Though you might ...

Parents Getting Older? Consider the Effect on Your Retirement
July 6, 2017

Parents Getting Older? Consider the Effect on Your Retirement

As you build your retirement savings, you may be forgetting an important and potentially prohibitive expense: Caring for your elderly parents. A lot of ...

Retiring Early? The Rule of 55 Might Let You Begin 401(k) Withdrawals
June 29, 2017

Retiring Early? The Rule of 55 Might Let You Begin 401(k) Withdrawals

There’s a little-known IRS rule that lets you sidestep the 10% early distribution penalty when you withdraw from a company retirement account, such as a 401(k) or ...

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A Guide to Collecting Social Security on an Ex’s Record
June 28, 2017

A Guide to Collecting Social Security on an Ex’s Record

Considering that 40% of new marriages include at least one spouse who has previously said “I do,” according to the Pew Research Center, those thinking about ...

Six Retirement Planning Tips to Turn Your Goals into Action
June 21, 2017

Six Retirement Planning Tips to Turn Your Goals into Action

When you’re thinking about retirement planning and what your goals are for life after work, it usually boils down to a few key questions ...

Passing Down Retirement Accounts? Name Beneficiaries
June 20, 2017

Passing Down Retirement Accounts? Name Beneficiaries

As you sit down to the sometimes-daunting task of designating the heirs and beneficiaries to your estate, keep this in mind: No named beneficiaries can break ...

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Estate Planning for Special Needs Children: Trying to Be Even-Steven?
June 14, 2017

Estate Planning for Special Needs Children: Trying to Be Even-Steven?

In the parenting world, it’s an exacting task to treat all children fairly, despite their different personalities and capabilities. Certainly, most parents exert much time ...

Still Love Shopping at Stores? So Do Plenty of Other Retail Consumers
June 13, 2017

Still Love Shopping at Stores? So Do Plenty of Other Retail Consumers

Let’s start with this: The retail industry is not dying and likely never will. Perhaps it’s got the sniffles right now, but it always seems to get back on its feet in due time. ...

Got an Extra Gig? Developing a Retirement Side Hustle
May 31, 2017

Got an Extra Gig? Developing a Retirement Side Hustle

In a fame-obsessed society where we too often look to celebrities for advice, it’s nice to know that at least one of them has set an example of a solid retirement plan ...

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401(k) Held at a Former Employer? Know Your Alternatives
May 24, 2017

401(k) Held at a Former Employer? Know Your Alternatives

One of the things you have to consider when changing jobs or nearing retirement is what to do with your old workplace savings plan. If you’re well into ...

Thinking about Cashing Out Your 401(k)? You Might Have Better Options
May 17, 2017

Thinking about Cashing Out Your 401(k)? You Might Have Better Options

Switching jobs can have its perks—new opportunities often mean new experiences, an expanding skill ...

Five Ingredients to the Secret Sauce of Happiness in Retirement
May 10, 2017

Five Ingredients to the Secret Sauce of Happiness in Retirement

What is happiness? How can you be sure you’re happy when you retire? Will your happiness be tied to money? Your health? Your friends and family? All of the above?

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Beyond the Green: Happiness in Retirement Isn't Just About Money
May 4, 2017

Beyond the Green: Happiness in Retirement Isn't Just About Money

Many of us, perhaps inspired by the financial media, see successful retirement as a pot of gold at the end of a rainbow. Fill the pot to a certain level and happiness ...

Simple Ways to Save: Take Baby Steps; Keep Cash Out of Reach
May 3, 2017

Simple Ways to Save: Take Baby Steps; Keep Cash Out of Reach

If you’re one of those people who wracks your brain trying to figure out the complexities of saving for the future, take a moment and listen to the wise words of ...

Rescue from Emotion: Discipline Tips for Retirement Investors
April 26, 2017

Rescue from Emotion: Discipline Tips for Retirement Investors

It’s easy to tell someone to keep their emotions out of investing. From a practical standpoint, however, it’s a trap most of us fall into at one point or another. “People say ...

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In Your 50s, Keep Your Eye on the Retirement Prize: 6 Main Moves
April 19, 2017

In Your 50s, Keep Your Eye on the Retirement Prize: 6 Main Moves

If you have children, you know the “tween” years—those middle years between child and teenager—and the challenges (and eye-rolling) that seem to define the ...

Want to Retire in Harmony with Your Spouse? 5 Tips for Dreams & Plans
April 12, 2017

Want to Retire in Harmony with Your Spouse? 5 Tips for Dreams & Plans

You want to move to Florida; she wants to stay near the grandkids. She wants to keep working for another 10 years, but you have visions of traveling the world. Just ...

Beyond the Retirement Calculator: How to See If You’re On Track
April 6, 2017

Beyond the Retirement Calculator: How to See If You’re On Track

All right. Everyone in the room who’s ever used a free online retirement calculator, please raise your hand. What? No one wants to admit it? Bashful? OK, now ...

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Captain of Your Retirement Ship? Investment Choices Aweigh
April 5, 2017

Captain of Your Retirement Ship? Investment Choices Aweigh

All hands on deck! The clock is ticking to fund your IRA for 2016. Directing your own IRA essentially makes you the chief cook, bottle washer, and captain of the ship ...

Social Security's Projected Shortfall: An Age-by-Age Guide for Planning
March 30, 2017

Social Security's Projected Shortfall: An Age-by-Age Guide for Planning

You've probably heard the warnings—the Social Security Trust Fund is on track to become insolvent in 2035. The Social Security Administration currently estimates at ...

Building Your Retirement Budget? Be Realistic and Cash Smart
March 29, 2017

Building Your Retirement Budget? Be Realistic and Cash Smart

So you’re planning your retirement, and you say you’ll chop the budget, since your spending will go down in retirement. Right? Well, that’s the conventional wisdom ...

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Boomer RMD Requirements: Mistakes to Avoid, Q&A
March 22, 2017

Boomer RMD Requirements: Mistakes to Avoid, Q&A

After decades of socking away money in retirement funds, baby boomers who turn 70 1/2 this year hit the required minimum distribution (RMD) age threshold. ...

Attention Snowbirds: Don't Get Hit With Unexpected Tax Bills
March 15, 2017

Attention Snowbirds: Don't Get Hit With Unexpected Tax Bills

As the weather gets colder, snowbirds migrate to warmer climates to enjoy milder winters. However, many are unaware of the tax rules for Americans who split their ...

It's Your Time—How to Shed the Worry and Guilt in Retirement
March 8, 2017

It's Your Time—How to Shed the Worry and Guilt in Retirement

Congratulations—after decades of working, paying off the mortgage and the kids' educations and, yes, squirreling away money for your retirement, you've reached that ...

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Retirees and Fixed Income Planning in a Rising Rate Environment
March 8, 2017

Retirees and Fixed Income Planning in a Rising Rate Environment

Uncertainty surrounding low interest rates and their future direction has been a cause for concern among investors nearing, or in, retirement for quite some time...

IRA Rollover Rules and Key Considerations: 5 Must Knows
March 3, 2017

IRA Rollover Rules and Key Considerations: 5 Must Knows

Thinking about a rollover from your old 401(k) or other employer sponsored retirement plan to an Individual Retirement Account (IRA)? It’s a pretty simple move...

Never Too Early to Have the Long-Term Care Talk with Your Parents
March 1, 2017

Never Too Early to Have the Long-Term Care Talk with Your Parents

Did your parents have the birds-and-the-bees talk with you when you were younger? Remember how...

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Want a Smooth Handoff? Consider a TOD Registration
February 22, 2017

Want a Smooth Handoff? Consider a TOD Registration

Let’s face it—when thinking about how we want to spend our time, estate planning doesn’t really bubble to the top of the list. The checklist of considerations can ...

Bumpy Porch Swings: Wants, Needs Often Shift For Retirees
February 16, 2017

Bumpy Porch Swings: Wants, Needs Often Shift For Retirees

In the decades before retirement, those so-called “golden years” may seem like a calm oasis off in the distance where the years roll by with little change.

A Sip of Flat COLA For Your Social Security? What To Consider
February 15, 2017

A Sip of Flat COLA For Your Social Security? What To Consider

When it comes to Social Security, the government sometimes gives and often takes away. This year it's taking away a little more from workers while the ...

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The Rundown on IRAs: What They Mean for You
February 15, 2017

The Rundown on IRAs: What They Mean for You

We need to talk about retirement. And yes, we know it’s the last thing you want to think about right now, but...

Seamless Shift: Retirement Savings to Retirement Income
February 14, 2017

Seamless Shift: Retirement Savings to Retirement Income

Some people worry they’ll be bored and not know what to do with themselves during retirement. Others have a long bucket list and can’t wait to start doing the things...

Drawing It Down: Taming Dynamic Retirement Withdrawals
January 25, 2017

Drawing It Down: Taming Dynamic Retirement Withdrawals

Funds getting ready to emerge from the nest egg? After years of saving, you've hit or come close to your retirement goals. Congratulations; it's a huge financial ...

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Inherited IRAs and Complex Rules: What You Need to Know
January 19, 2017

Inherited IRAs and Complex Rules: What You Need to Know

You’ve just been notified that you inherited a sizable individual retirement account, or IRA. Now what? This is another in the “it depends” answer column, as the IRS ...

Drawing It Down: The Bucket Approach to Retirement Funds
January 18, 2017

Drawing It Down: The Bucket Approach to Retirement Funds

Ah, the golden days of retirement. We all have our own visions and hopes for those years. Retirement could mean pursuing interests like world travel or hobbies ...

5 Retirement Myths That Could Be Sabotaging Your Future Plans
January 13, 2017

5 Retirement Myths That Could Be Sabotaging Your Future Plans

The idea of saving enough for retirement can be daunting. How much do you need? Will it be enough? "When it comes to financial information, there is ...

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Final Answer: Three Estate-Planning Tax Considerations
January 11, 2017

Final Answer: Three Estate-Planning Tax Considerations

No one likes to think about a serious illness or death, but developing an estate plan can be a loving way to take care of your family after you are gone. The basic ...

5 Tax Prep To-Dos as You Hit Retirement
January 9, 2017

5 Tax Prep To-Dos as You Hit Retirement

The complex task of preparing taxes is a priority for many people this time of year. Even if you plan to let a...

Drawing It Down: Think Sequentially to Limit Market Risk
January 4, 2017

Drawing It Down: Think Sequentially to Limit Market Risk

Dreaming of the day when the morning alarm clock will be replaced by the morning newspaper and coffee on the balcony overlooking the ...

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Higher Interest Rates: 6 Things to Know for Retirement Planning
December 30, 2016

Higher Interest Rates: 6 Things to Know for Retirement Planning

If you are in or nearing retirement, you may be watching rising interest rates with a mixture of optimism and fear. The optimism comes from hopes of finally getting ...

Time for Your Annual (Financial) Wellness Screening
December 30, 2016

Time for Your Annual (Financial) Wellness Screening

Have you had your annual wellness screening? You know, the one where you (along with a professional) take a look inside, check the vitals for any imbalances ...

Drawing It Down: Tweaking the 4% Rule for Retirement Funds
December 28, 2016

Drawing It Down: Tweaking the 4% Rule for Retirement Funds

Planning and preparing for your retirement can be a fun yet challenging proposition. The fun part may involve planning travel, art classes, mountain hikes, and the ...

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FRA or Early Retirement: When to Draw Social Security?
December 27, 2016

FRA or Early Retirement: When to Draw Social Security?

When it comes to Social Security and when you should start receiving it, the answer is clear: "it depends." Deciding when you should start drawing benefits ...

Late-Year Retirement Checkups = Great. Automating? Even Better
December 23, 2016

Late-Year Retirement Checkups = Great. Automating? Even Better

The end of the year is a time for celebration, reflection, and new beginnings. It can also be a critical time for...

Women, Retirement Savings, and Longevity’s Double-Edged Sword
December 20, 2016

Women, Retirement Savings, and Longevity’s Double-Edged Sword

Women, take note: You will likely need to save more money for retirement than men. Why? Study after study reveals a gender pay gap, a greater likelihood that ...

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Done Saving for Retirement? Great, But More Planning Ahead
December 16, 2016

Done Saving for Retirement? Great, But More Planning Ahead

If you’re approaching the finish line toward a financially healthy retirement, or perhaps already got there, congratulations! Retiring with the money you ...

It’s All in the Timing: When Should You Retire?
December 13, 2016

It’s All in the Timing: When Should You Retire?

Many dream of the day they can tell the boss that they are retiring—the day when you’re done clocking in with the 9 to 5 routine, free to finally pursue your own ...

Good or Bad: What Type Of Debt Is On Your Balance Sheet?
December 8, 2016

Good or Bad: What Type Of Debt Is On Your Balance Sheet?

In today's modern world, few individuals can avoid debt altogether. As you map out your plan toward retirement, it’s important to identify and understand the different ...

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Retirees and Fixed Income: Rethinking Interest Rates—Again
December 6, 2016

Retirees and Fixed Income: Rethinking Interest Rates—Again

For those in or near retirement who traditionally allocate a portion of their portfolio to fixed income: bonds, bond funds, money market accounts, certificates of deposit...

Could a Franchise Create Your New Retirement Income Stream?
November 30, 2016

Could a Franchise Create Your New Retirement Income Stream?

Do you have the urge to be your own boss? Are you looking for multiple streams of income to help fund your retirement? Locally owned franchises are an ...

Sports Parents: Are Team Fees Sidelining Your Retirement Goals?
November 29, 2016

Sports Parents: Are Team Fees Sidelining Your Retirement Goals?

From pre-dawn Saturday morning road trips, long hours standing in the hot sun or the pouring rain, to countless fast-food meals, sports parents understand the art of ...

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Retirement Savings Goals: How Much Money Do You Really Need?
November 15, 2016

Retirement Savings Goals: How Much Money Do You Really Need?

Many surveys say that Americans aren't saving enough for retirement. But how much is enough? There are theories and strategies to calculate the size of the nest ...

Social Security Is Strained. How It Could Affect Your Retirement
November 9, 2016

Social Security Is Strained. How It Could Affect Your Retirement

No need to mince terms; the three-legged stool is broken. For years, financial advisors have used that metaphor to talk about the traditional three main ...

Retirement: Talk to Kids About Money; Millennials Are Listening
November 2, 2016

Retirement: Talk to Kids About Money; Millennials Are Listening

It turns out that your kids are listening. The millennial generation often gets a bad rap for many things, but when it comes to money, they are actually doing ...

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Get a (Part-Time) Job! The New Way To Retire?
October 20, 2016

Get a (Part-Time) Job! The New Way To Retire?

Survey after survey continues to hammer home the fact that Americans simply aren't saving enough for retirement. A full 71% of Americans say they are ...

Planning Ahead For Your Loved Ones? Don’t Overlook a Key Decision
October 17, 2016

Planning Ahead For Your Loved Ones? Don’t Overlook a Key Decision

It happens all too often. A married couple owns a piece of real estate such as a vacation home. One spouse falls ill with a crippling disease like Alzheimer’s...

Preparing for Retirement: Singles Need To Think Differently
October 13, 2016

Preparing for Retirement: Singles Need To Think Differently

When it comes to being single and planning for or being in retirement, there are some upsides. Want to live near the beach? Do it. Want to live near the grandkids? ...

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A New Home For Retirement? Test-Drive Before You Buy
September 26, 2016

A New Home For Retirement? Test-Drive Before You Buy

Many folks nearing retirement are looking to downsize from the family home. Who needs three empty bedrooms, a big house to clean, and all the upkeep ...

Approaching Retirement? Why You May Want to Consider Growth Stocks
September 22, 2016

Approaching Retirement? Why You May Want to Consider Growth Stocks

Growth stocks and growth mutual funds: Aren’t those for young people? Not necessarily.

Nearing Retirement: Thinking of Buying a Vacation Home?
September 15, 2016

Nearing Retirement: Thinking of Buying a Vacation Home?

Summer is winding down, and back-to-school routines are kicking into high gear. In between all the all the hustle and bustle, you might start remembering that ...

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Going on Vacation? Budget and Never Dip into Retirement Accounts
September 13, 2016

Going on Vacation? Budget and Never Dip into Retirement Accounts

If you’re one of the 8 in 10 Americans who planned to take a leisurely vacation, you probably already know that it will be pricey. Consumers say they will spend...

ABCs of Portfolio Investing: 3 Rules for Long-Term Investors
September 13, 2016

ABCs of Portfolio Investing: 3 Rules for Long-Term Investors

Attention investors: school is back in session! September offers investors the opportunity to revisit the basics of managing a portfolio. It can be a good time to...

Eye on Retirement: The Last Stretch. Get Retirement Ready
September 8, 2016

Eye on Retirement: The Last Stretch. Get Retirement Ready

Is retirement just around the corner? Investors in their 50s and early 60s are in the last stretch before retirement, which of course can mean many things to ...

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Retirement: Better to Live Rich Today than Die Rich Tomorrow
September 1, 2016

Retirement: Better to Live Rich Today than Die Rich Tomorrow

People work endlessly so they can eventually retire and spend time with their loved ones and kids, but by then, they’ve missed opportunities to take vacations or ...

New Job: Should Your 401(k) Stay, Go, or Roll Over? A Look at IRAs
August 31, 2016

New Job: Should Your 401(k) Stay, Go, or Roll Over? A Look at IRAs

When packing up your desk for that next great career step, don’t forget about your 401(k) plan. Should it stay or should it go with you to the new job? Your choices ...

4 Ways To Prevent Boomerang Kids From Delaying Retirement
August 15, 2016

4 Ways To Prevent Boomerang Kids From Delaying Retirement

Has your empty nest filled back up? You aren't alone. A recent Pew study showed that for the first time in 130 years, young adults ages 18 to 34 were more likely to ...

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DIY Long-Term Investing: Tools, Calculators, and Resources
August 3, 2016

DIY Long-Term Investing: Tools, Calculators, and Resources

As discussed in my last few articles, the process of building a long-term investing portfolio starts with defining specific goals, including your time horizon ...

Income Conundrum: Retirees Seek Higher Yields but Not  Risk
July 28, 2016

Income Conundrum: Retirees Seek Higher Yields but Not Risk

Recent record-high U.S stock prices may be great for younger investors who are trying to grow their wealth. But when the stock rally coincides with record highs in ...

U.S. Bond Yields Near Record Lows, But Still Best of the Worst
June 28, 2016

U.S. Bond Yields Near Record Lows, But Still Best of the Worst

In summing up the performance of bond yields so far this year, a single word comes to mind: “Timber!” Just how low can yields fall before investors search for ...

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Emptying the Nest: How To Sell Your Home After 30 Years
June 15, 2016

Emptying the Nest: How To Sell Your Home After 30 Years

The baby boomers are at it again. Nearly 75 million strong are driving a new demographic trend from suburban to urban. Older couples who moved to the ...

Building Diversified Retirement Portfolios with Mutual Funds
June 13, 2016

Building Diversified Retirement Portfolios with Mutual Funds

So you want to build a robust retirement portfolio that avoids the dreaded all-your-eggs-in-one-basket cliché? Consider mutual funds the alphabet soup of portfolio ...

Diversify Now! Building New and Improved Bond Ladders
June 8, 2016

Diversify Now! Building New and Improved Bond Ladders

Some investors seem to think of bonds like a famous infomercial: some bond investors just “set it and forget it” when it comes to a bond portfolio. However, there ...

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Suddenly Single: Financial Planning for the Newly Widowed
May 26, 2016

Suddenly Single: Financial Planning for the Newly Widowed

Women are more than twice as likely as men to lose a spouse to death. For every 1,000 Americans in a given year, 7.8 women become widows, versus 3.5 for men ...

Trading Futures in an IRA? Getting Oriented to the Retirement Future
May 18, 2016

Trading Futures in an IRA? Getting Oriented to the Retirement Future

Most investors use basic investment products to invest in an Individual Retirement Account (IRA). Stocks, bonds, and mutual funds make up a large percentage ...

Getting Ready to Retire? Know The Tax Implications
April 28, 2016

Getting Ready to Retire? Know The Tax Implications

Even if you’ve done all your own taxes throughout your working life, it’s still a good idea to turn to a professional when you retire. Why? Because the rules are different ...

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Can Changes to MEPs Help Small Business Save for Retirement?
April 25, 2016

Can Changes to MEPs Help Small Business Save for Retirement?

Tucked into President Obama’s $4 trillion fiscal 2017 budget proposal are initiatives intended to foster employee-sponsored retirement plans by ...

Retirees and Fixed Income: Rethinking Interest Rates—Again
April 13, 2016

Retirees and Fixed Income: Rethinking Interest Rates—Again

For those in or near retirement who traditionally allocate a portion of their portfolio to bonds, bond funds, money market accounts, certificates of deposit (CD), and ...

The Elections, the Candidates, Tax Policy, and Your Retirement
April 11, 2016

The Elections, the Candidates, Tax Policy, and Your Retirement

The tax and policy climate in Washington, D.C., will ultimately determine how well retirees—those in it now and those on the precipice—will financially weather ...

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Retirement Funds Sparse? Start Catching Up Late in the Race
March 30, 2016

Retirement Funds Sparse? Start Catching Up Late in the Race

Save early, save often. That’s common advice, but many investors approach retirement without the funds they need. Can these future retirees make up for lost time ...

Keep That Nest Egg Growing in Retirement: You’ll Need It
March 17, 2016

Keep That Nest Egg Growing in Retirement: You’ll Need It

Retirement has plenty of perks, but knowing exactly when those golden years will come to an end is not among them. That’s a snag for planning, and it ...

Ideas for Income Protection in Retirement
March 16, 2016

Ideas for Income Protection in Retirement

Even during the so-called golden years, tax rules can have a funny way of chewing up retirement savings. However, there are certain deductions and strategies ...

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Retirement Income: A Look at Annuities
March 1, 2016

Retirement Income: A Look at Annuities

What a time to be alive! Advances in health care, medicine, and technology are adding years to the average life expectancy of many Americans. About..

Healthy Check-Ups Extend to Retirement Portfolio
February 29, 2016

Healthy Check-Ups Extend to Retirement Portfolio

Just like your annual well-visit to the doctor, it’s smart to also schedule a yearly check-up for your retirement portfolio. If conditions change, such as...

Nearing Retirement?  What the 2016 Election May Mean for You
February 17, 2016

Nearing Retirement? What the 2016 Election May Mean for You

Presidential election years can be among the most volatile for the stock market, according to historic number-crunching on the...

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Is the Upside Potential of Growth Stocks Worth the Risk in Retirement?
February 17, 2016

Is the Upside Potential of Growth Stocks Worth the Risk in Retirement?

Cherish the idea of a little extra cash in your golden years that you’d like to put to work? Maybe you’re nagged by a traditional—if a little dusty—school of thought that says....

Market Volatility, Risk, and Your Retirement Portfolio
February 16, 2016

Market Volatility, Risk, and Your Retirement Portfolio

Walking toward that retirement red zone can be a gut-testing experience when the markets are crashing. But it’s necessary to find equilibrium on the...

 Retirees: Is Your Investing Plan Built for Market Volatility?
February 16, 2016

Retirees: Is Your Investing Plan Built for Market Volatility?

There are three near-certainties in the investing world: markets go up, markets go down, and over time, markets go up. Sounds simple, doesn’t it?

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How Revamped Social Security Rules Could Impact Retirees
February 15, 2016

How Revamped Social Security Rules Could Impact Retirees

Patience can pay off, especially when it comes to Social Security benefit collection. One play-by-the-rules delay tactic was “file and suspend,” which made the....

5 Retirement Plan Ideas for the Self-Employed
February 15, 2016

5 Retirement Plan Ideas for the Self-Employed

Self-employed? Running a business can run you ragged. But what if you translate your enterprising can-do into thoughtful plans for your...

Closing the Gaps: Workforce Gender Equality
December 21, 2015

Closing the Gaps: Workforce Gender Equality

A recent Women in the Workplace study notes that when it comes to gender equality and representation ...

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Resolutions: Small Changes Can Bring Big Impact for Retirement
December 14, 2015

Resolutions: Small Changes Can Bring Big Impact for Retirement

Ever hear this one? “There are only two money options in retirement. You’re either working for your money or your money is working for you.” There’s no time like ...

Let’s Ask Morningstar: Late-Start Retirement Saving Tips
December 2, 2015

Let’s Ask Morningstar: Late-Start Retirement Saving Tips

As with many of life’s long-term goals, it’s never too late to start saving for retirement. But a late start to retirement savings—we’re talking about a couple of ...

Tough Task: Retirement Planning for the Self-Employed
November 18, 2015

Tough Task: Retirement Planning for the Self-Employed

Perhaps the desire to call the shots or turn an enterprising business idea into reality drives Americans from the traditional workforce into the ranks of the ...

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5 Tax Prep To-Dos as You Hit Retirement
November 3, 2015

5 Tax Prep To-Dos as You Hit Retirement

The complex task of preparing taxes is a priority for many people this time of year. Even if you plan to let a pro take on your taxes, it’s a good idea to brush up...

Age-Beaters: Longevity Annuities May Be Your Income Answer
October 19, 2015

Age-Beaters: Longevity Annuities May Be Your Income Answer

Have previous generations in your family lived well into their 80s and 90s? Do you hit the gym every morning—okay, almost every morning ...

Late-Year Retirement Checkups = Great. Automating? Even Better
September 28, 2015

Late-Year Retirement Checkups = Great. Automating? Even Better

The end of the year is a time for celebration, reflection, and new beginnings. It can also be a critical time for nuts-and-bolts retirement account maintenance ...

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DOL Retirement Rule: Could The Way You Invest Be Changing?
September 8, 2015

DOL Retirement Rule: Could The Way You Invest Be Changing?

How well do you know your investments? That's a question the Department of Labor (DOL) is seeking to ...

Retirement Destination: Top Cities for Aging Successfully
August 12, 2015

Retirement Destination: Top Cities for Aging Successfully

The sheer number of post–World War II babies—the most populous age group in U.S. history—has guaranteed that every stage of baby boomer lives ...

Disruptions on the Way to Retirement? Hit Those Curveballs
July 30, 2015

Disruptions on the Way to Retirement? Hit Those Curveballs

As “disruption” and “disruptor” take their places as troublesome nouns in the modern lexicon, here comes a phrase that is quickly defining a sorry state of financial ...

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Retirement Planning? Pay Down that Mountain of Credit Card Debt
July 29, 2015

Retirement Planning? Pay Down that Mountain of Credit Card Debt

U.S. consumers are on pace to rack up another $55 billion-plus in credit card debt in 2015, according to Card Hub. And for many, the weight of revolving credit card ...

Back to Work? When an Encore Career Just Doesn’t Pay
July 15, 2015

Back to Work? When an Encore Career Just Doesn’t Pay

Collecting paychecks into retirement has plenty of pluses that include swelling your budget or keeping you on top of your game, either by prolonging your career ...

New Math: Does the Age/Asset Allocation Rule Need an Update?
April 13, 2015

New Math: Does the Age/Asset Allocation Rule Need an Update?

There’s a conventional rule of thumb that your age can help determine the best asset allocation for your investments. Now, the math is simple, but it leaves a ...

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Avoid This Parent Trap: Prep for Long-Term Care Expenses
April 2, 2015

Avoid This Parent Trap: Prep for Long-Term Care Expenses

There’s a potential retirement crisis in the offing and it’s not necessarily your own. As you map out your plans for financial security in an uncertain future, you should ...

Could Investing for the Future Make You Healthier Now?
March 17, 2015

Could Investing for the Future Make You Healthier Now?

Several studies have found an unexpected benefit to saving for the future – greater health and happiness today.

Losing Its Luster? Why the 4% Rule Isn't So Golden Anymore
January 29, 2015

Losing Its Luster? Why the 4% Rule Isn't So Golden Anymore

For a long time, a yearly 4% withdrawal over 30 years was considered ideal for retirees. Times have changed.

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New Year’s Resolution: Get Up to Speed on New IRA Rollover Rule
December 2, 2014

New Year’s Resolution: Get Up to Speed on New IRA Rollover Rule

Out with the old year, in with the new. That applies to most everyone and everything, including Uncle Sam. Before you close your books on 2014 and...

A Small Business Wake-up Call
September 1, 2014

A Small Business Wake-up Call

Imagine no longer popping awake in the middle of the night worried about how (or if) retirement will become a reality. Imagine skilled workers joining your small...

Thinking Outside the Cash Box: Take Advantage of Rising Rates
April 13, 2014

Thinking Outside the Cash Box: Take Advantage of Rising Rates

The Fed remains in a go-slow mindset toward monetary policy. But make no mistake: Interest rates will continue to creep higher. Here are five ways to take advantage.

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Index Annuities Myth Buster
November 1, 2013

Index Annuities Myth Buster

Magic beans for retirement? Not so fast. Frenzy follows growth in indexed annuities sold as market beaters. But are they for you? Is this legend or real life: an annuity...

Role Reversal: How to Approach the Long-Term Care Talk
September 13, 2013

Role Reversal: How to Approach the Long-Term Care Talk

Yes, you have to go there. Gently. Start the talk about financial and healthcare security for aging parents sooner not later.

Delay Your Retirement, Not Your Play Time
April 5, 2013

Delay Your Retirement, Not Your Play Time

T. Rowe Price analysts say you might use transition years to realize some retirement dreams while still on a payroll—and still healthy enough to roll.

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It’s an Insurance Thing: A Fresh (or First) Look at Annuities
March 5, 2013

It’s an Insurance Thing: A Fresh (or First) Look at Annuities

Where insurance meets investing,there can be a few potholes.New products soothe the sting of costs and offer customization.That means annuities deserve...

We’ve Been There, Kid: Retirees Provide Tips for Your Future
February 5, 2013

We’ve Been There, Kid: Retirees Provide Tips for Your Future

Is your retirement date within your grasp? Retirees share the best bit of advice they ever received and what they know now that they wish they knew then.

Estate Planning for the Reluctant: Tips for Making It Painless
December 24, 2012

Estate Planning for the Reluctant: Tips for Making It Painless

Hey, get back here! It’s uncomfortable, yes. But why not keep some control over your investments from beyond the grave? There are certain things in life you don’t like...

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