Accounts

58 years old and no retirement account.

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Retirement account disbursement nonsense

Someone explain it like I’m 5…. My husband had a small 20k ish) retirement account at his employer. He wants to withdraw it and use it for some unexpected expenses. We have the main retir...

Help with very senior relatives

Need some advice. For the second time in a year, my FIL (87) has responded to phishing emails and eventually ended up transferring large amounts from his retirement account to places in Asia. First ti...

Don't Disinherit Your Grandchildren: The Hidden Risks of Retirement Account Beneficiary Forms

Standard retirement account beneficiary forms may not be flexible enough to ensure your money passes to family members according to your wishes. Naming a trust as the contingent beneficiary can help a...

Quiz: Test Your Knowledge of Retirement Accounts, Charitable Giving and Taxes

The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about the five phases of retirement planning, the OBBB's potential impact on charitable giving and why you should...

Wife vs. Husband: A Retirement Account Showdown

I have a 403(b). My wife has a 401(k). Let's figure out who has the better retirement account and if it matters for our portfolio. The post Wife vs. Husband: A Retirement Account Showdown appeared fir...

Private Equity Firms Celebrate Trump’s Executive Order Giving Them The Keys To Retirement

Private asset managers have been tantalized for years about the $29 trillion in Americans’ retirement accounts. Donald Trump just made it easier for them to get a slice....

Direct Indexing vs. ETFs: An Analysis for Physicians

Most physicians know the standard playbook: max out retirement accounts, then invest in low-cost index funds, typically exchange-traded funds (ETFs) ... Read more...

How do I stop obsessing about my retirement accounts

I am already retired (64F) and have *almost* certainly enough in my retirement and investment accounts to get me through. But I check the balances every day, and check my Schwab at least 5 times a day...

What You Need To Know About The New Retirement Account RMD Penalty

There's a penalty for failing to take required minimum distributions from retirement accounts. Fortunately, it's been reduced, and there's a way to further reduce it....

A Financial Planner's Prescription for the Headache of Multiple Retirement Accounts

Having a bunch of retirement accounts can cause unnecessary complications. Consolidation can make it easier to manage your savings and potentially improve investment outcomes....

What types of accounts can I rollover into?

Do you know which retirement accounts you can rollover your existing retirement accounts into? Here's the source... The post What types of accounts can I rollover into? appeared first on Getting Your ...

Recordkeepers Have Golden Opportunity to Influence Mass Affluent 401(k) Participants: Cerulli

New report finds retirement account providers are the primary source of retirement planning…...

Catch-Up Contributions: What You Need to Know

Catch-up contributions for your retirement accounts can be simple, but a few of them are more complex than you think. Let's break it down. The post Catch-Up Contributions: What You Need to Know appear...

Advice on organizing retirement accounts

I'm 61, wife is 51 and we have 2 more kids to get through college so I plan to work until they at least complete undergrad studies in about 6 yrs. I own my own business and plan to adjust my hours at ...

Early Retirement Withdrawals: 5 Ways to Take Penalty-Free Distributions from Your Retirement Accounts BEFORE You Turn 59.5

Retiring before 59.5? Discover how to make penalty free withdrawals from your retirement accounts to help fund your early retirement. The post Early Retirement Withdrawals: 5 Ways to Take Penalty-Free...

Lost and Found Retirement Accounts

I checked lostandfound.dol.gov and got three hits for old accounts. One of them was a stock ownership plans and the others were 401ks. There is quite a bit of money in there. I saw a post from someone...

Don't wait for rollovers — ask to manage client 401(k)s now

Many advisors overlook held-away workplace retirement accounts, unaware that a rollover isn't a prerequisite for professional management....

Before You Tap Your Retirement Account, Here’s What You Need To Know

Early withdrawals are generally subject to a 10% penalty, in addition to normal income taxes. But there are lots of exceptions—including some new ones. Here's the latest....

Roth IRAs, 457(f)s, and Other Retirement Account Questions

Answering reader questions about Roth IRAs and the pro-rata rule; self-directing your solo 401(k), 457(f)s, and 457(b)s; and when to do Roth conversions. The post Roth IRAs, 457(f)s, and Other Retirem...

Ease the Tax Bite When You Tap Retirement Accounts

Savvy retirees tap retirement accounts with a tax plan. Each type of account may have different tax rules and rates, so know before withdrawing funds....

My retirement accounts are yielding way below market indexes. Is that normal?

Stupid investment question here. My retirement accounts (IRAs, trust, etc.) have been managed by the same guy at the same firm for 20+ years. I'm quite happy with him overall. The portfolio has been g...

Find Lost 401k: How to Find Out If You Have Lost or Forgotten Retirement Accounts

Here is a guide for how to find lost money -- a lost 401k or other unclaimed retirement benefits. It can be as easy as 1,2,3! The post Find Lost 401k: How to Find Out If You Have Lost or Forgotten Ret...

5 changes for IRAs and 401(k)s in 2025

The SECURE 2.0 Act contained changes to traditional and Roth individual retirement accounts and 401(k) plans that are being phased in over several years....

Net Unrealized Appreciation Treatment

Explanation of how Net Unrealized Appreciation (NUA) works for a 401(k) or other workplace retirement account. The post Net Unrealized Appreciation Treatment appeared first on Getting Your Financial D...

Crypto in Your Retirement Account? It's Not a Crazy Question

Time was, including crypto in your retirement account seemed far too risky. Some financial experts now recommend it for diversification. But buyer beware....

Advisers Share What They and Their Clients Are Thankful For

From pie to growing retirement accounts to moderating inflation, financial advisers and their clients have much to be happy about this Thanksgiving....

Teach:able’s Founder Tackles A New Challenge: Democratizing Access To Tax-Efficient Retirement Accounts For The Self-Employed

An early player in the online learning space tackles a new challenge: making tax planning and retirement savings easier for solo practitioners and small businesses....

What You Should Know About Spousal IRAs

Without spousal IRAs, you would need an earned income to contribute to your retirement account....

Skeptical on Social Security, younger workers shift to personal retirement accounts

According to a recent Cerulli study, more than half of retired 401(k) participants say Social Security is their primary source of income. At the same time, only 6% of millennials predict they will rel...

Retirement Accounts: Please Avoid These Actions!

Planning for retirement is crucial to financial stability, but many individuals unknowingly jeopardize their future by making poor decisions regarding their retirement accounts. Understanding the comp...

$1 Million for Retirement — Or a Longer Life?

A new study shows that 51% of Americans prefer adding $1 million to their retirement accounts over adding five healthy years to their lives. Many Americans believe they need a six-figure income to ret...

Want to Move to Italy? What to Consider Financially

Once you've decided that you and Italy are compatible, you'll want to work out your tax planning, investments, retirement accounts and benefits....

Need to be careful not to jump the gun

...or maybe I don't. I got to "the number" in my retirement account, and I'll get a small pension (about $800/month), and social security. I'll be 60 in a couple of months. I'm also not happy with my ...