Retirement

Smart, focused guidance on all aspects of retirement planning and spending.

Saving for Retirement

  • Avoiding RMDs from a Roth 401

    If you want your money to grow tax-free, one option is to roll a Roth 401(k) into a Roth IRA, which can eliminate required minimum distributions. Here’s how it works.

  • Strategies for maxing out your 401(k)

    Very few people manage to reach the maximum limit on their 401(k) contributions, but isn't impossible, and with the right planning, it may even be easier than you thought.

  • Protecting your retirement from a health scare

    You build a nest egg to manage your future, but a sudden illness or accident can upend all your carefully laid plans. Here’s how to add an extra layer of protection.

  • 5 misconceptions about the FIRE movement

    The FIRE movement - financial independence, retire early - has been getting a lot of attention with a few crossed wires along the way. Here are five of the biggest misconceptions.

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401(k)

  • Strategies for maxing out your 401(k)

    Very few people manage to reach the maximum limit on their 401(k) contributions, but isn't impossible, and with the right planning, it may even be easier than you thought.

  • How to minimize 401(k) expenses

    Fees, penalties and taxes associated with your retirement plan can add up and cut into your nest egg. These nine strategies can help lower unwanted costs.

  • Now may be time to convert to a Roth IRA

    Tax rates are historically low right now, which could make this a good time to convert your traditional IRA to a Roth. There are a few caveats, though. Here’s what to look out for.

  • Why you may want to tap your Roth IRA last

    The order in which you use your retirement accounts can have a significant tax impact. The right sequence can save you thousands of dollars with your Roth bringing up the rear.

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Getting Ready to Retire

  • Congress gets serious about retirement saving

    Lawmakers from across the country are proposing legislation to encourage more Americans to save for retirement, and they’ve got a list of ways to do it.

  • 5 misconceptions about the FIRE movement

    The FIRE movement - financial independence, retire early - has been getting a lot of attention with a few crossed wires along the way. Here are five of the biggest misconceptions.

  • How the S&P 500 could hit 3,400

    Julian Emanuel, chief equity and derivatives strategist at BTIG, has a bullish year-end forecast for the S&P 500, but stocks could see a slight pullback before getting there.

  • How retirees can fight scammers

    Crooks love to target older adults because they see them as easy prey. But you don’t have to make yourself vulnerable. Here’s how to stop scammers before they get started.

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Living in Retirement

  • How the S&P 500 could hit 3,400

    Julian Emanuel, chief equity and derivatives strategist at BTIG, has a bullish year-end forecast for the S&P 500, but stocks could see a slight pullback before getting there.

  • How retirees can fight scammers

    Crooks love to target older adults because they see them as easy prey. But you don’t have to make yourself vulnerable. Here’s how to stop scammers before they get started.

  • Retirees are heading out of state to these spots

    Recent data on state-to-state migration patterns in 2018 finds that New Mexico was the No. 1 state where retirees moved.

  • Discussing long-term care with aging parents

    It's a hard topic to raise, but for those of us with parents who may need long-term care, it's a necessary discussion. Here are a few ways to frame the conversation.

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