Financial Planning

Social Security

How to Maximize Your Social Security Benefits Without Breaking the Rules

Our Social Security expert answers some of the trickiest questions posed by real benefits recipients.

Wealthy and Wise

Be Cautious When Naming Beneficiaries for Your IRA

As many readers are aware, IRAs can offer many benefits including the ability to defer taxes on the money placed…

Retirement Planning

Your Retirement Savings Goal Is Almost Certainly Too Low

Americans are massively underestimating how much they need to save to have the retirements they want.

Financial Planning

How Does Your Financial Health Stack Up Against America’s?

Just 28% of Americans are financially “healthy,” despite statistics that indicate a strong economy. Here’s what you can do to make sure you are not just “coping” or “vu...

Financial Advisers

Robo Advisors Are Closing Down—Here’s What to Do

Robo advisors were supposed to make it easier to invest for the long-term, but several have already closed. Here’s how to deal with the dangers.

Financial Advisers

Beware Brokers Who Run Up Charges Through Excessive Trading

When the market’s going up, many investors don’t notice that their brokers are churning their accounts—don’t get ripped off this way.

Retirement Planning

Avoid These Costly Mistakes With Required Minimum Distributions (RMDs)

Mistakes are common on taking required minimum distributions (RMDs) from retirement accounts, and the penalties are steep. Here’s how to avoid them.

Financial Planning

Young Americans Can’t Buy Homes Anymore—and It’s Going to Hurt Them Big Time

Shifting trends have made it harder for young people to own homes and have put generations of Americans at enormous risk for financial insecurity.

Retirement Planning

Best Way to Earn a Few Extra Bucks…or A Lot…In Retirement

Whether you want extra spending money or to bulk up your nest egg, there are plenty of ways for retirees to make $10,000, $25,000, or $50,000+.

Retirement Planning

Americans Feel Better About Aging, But Savings Lag Behind

More people are embracing aging, but most are not ready for retirement and, in many cases, they don’t even know what ready means.

Retirement Planning

Rolling Over Your 401(k) Could Hurt You

It’s conventional wisdom to roll over your retirement assets from a 401(k) into an IRA when you leave a job. But that’s not always the right move.

Retirement Planning

The Surprising Power of Retiring Just a Little Later

Working an additional year beyond 66 provides 8% more annual income for 30 years. And the longer you delay retirement, the greater the effect.

Retirement Planning

This Rising Money Trend Could Help You Save More

The pattern that Americans show in saving money provides encouragement for people who don’t save enough.

Retirement Planning

An Annuity Gains Appeal

Retirees are turning to deferred income annuities in droves to address concerns about market volatility and outliving their nest eggs.

Retirement Planning

Are You Being Too Frugal in Retirement?

Many Americans are reluctant to tap into their retirement funds even when they can afford to, making their lives more miserly than they need to be.