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A proposed federal rule aims to clear the way for retirement savings plans to include alternative assets. But it may not be enough to protect employers from lawsuits.
When I claim SS my wife and I suddenly have another $5700 monthly coming in (mine+spousal). That WELL exceeds what we need to live on - even with a generous vacation budget. I'm thinking that at that ...
I just turned 65 so I will not have to start taking RMDs until I'm 75. Since IRMAA is based on income from 2 years prior, that means I won't get hit with IRMAA until I'm 77 (2 years after my RMDs star...
When I think about the start of spring, I think about spending the Easter holiday with my family, the colors returning to our green spaces, a little more sunshine, and maybe a shower or two. Hail the ...
As federal workers move into private-sector jobs, bigger paychecks may come with retirement tradeoffs. What happens to your public plan, and future 401(k) savings could shape long-term financial secur...
Physician conversations around money and saving almost always circle back to how doctors are notoriously spendthrift and “bad” with money. ... Read more
Your tax refund can be more than extra spending money. Using it strategically – such as boosting retirement savings, paying down debt, or building an emergency fund – may strengthen your long-term fin...
Here are some of the most common misperceptions about what you need to be financially comfortable in your later years.
Financial independence isn't just about hitting a certain net worth or reaching a magic retirement number, it's a personal journey shaped by your habits, values, and the emotional baggage that money c...
Find out if your retirement savings are on track with our quick quiz.
Gen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.
The Social Security provisional income threshold can create a "tax torpedo" for disciplined savers, raising your effective marginal tax rate to 40.7% or more.
Brigadier General Michael Meese details the critical decisions military families must make before retirement. Transitioning into retirement is a major life change for anyone. But for military families...
Everyone thinks retirement is a permanent vacation. For the first few months, it might feel that way. Then something shifts. The novelty fades. Tuesdays start to feel like Saturdays. The structure tha...
For retirees seeking less risky savings options, here are a few recommendations based on your preferences.
How do you turn decades of hard-won savings into a steady stream of income for the rest of your life? These funds may help.
James Choi’s investing model suggests your stock allocation should depend on income, savings, and future earnings, not just age. The post How Much in Stocks? A Yale Formula Rethinks Allocation Rules a...
Jeremy Keil explains how putting your cash in the wrong spot could prevent you from earning thousands in interest during your retirement. Many retirees spend a lot of time thinking about how to get be...
Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotiona...
Dream of a fabulous retirement? How to actually build a $10 million 401(k) from a top wealth manager all while saving taxes and building finanical freedom.
Last year’s tax bill created a new savings vehicle that starts as early as birth – the Trump account. While these accounts resemble IRAs in some ways, they offer distinct contribution rules, investmen...
Combining a QLAC with a HECM can help mass affluent retirees secure guaranteed lifetime income, tax advantages and liquid savings to cover late-in-life expenses.
Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get divorced, yikes - but does the math still work? Th...
If you’re earning 1099 income, you likely aren’t spoiled for choice in the retirement savings department. When it comes to ... Read more
Adding just 1% more can have a transformative impact on your retirement savings and spending. See how this painless hack works.
62 year old Canadian here. I'm currently in a situation where I am living on 1/2 my take-home pay so am slamming every other cent into savings. Theoretically in about a 1 1/2 years I should be able to...
It’s incredibly common to assume that saving and investing are about becoming rich; building the biggest pile of money possible. ... Read more
Most people have piled their savings into tax-deferred accounts, delaying taxes until they retire. Using Roth options can help ease your tax bite.
Despite our growing economic power, women still face a confidence and savings gap. We can fix that by taking steps that secure our financial independence.
A new SmartAsset study finds that retirement savings vary widely by state in 2026. See how your state ranks.
F67, M72. We get about income of 5500 a month spend about 4,000 a month and have $1500 left over, Next year that we will pay off our last debt and will have another $500 available. We have rebuilt our...
See how your retirement savings stack up compared with this Wall Street guide, ranked by age and income.
If you are saving money and have a plan for the future, we want to hear how it’s going and any advice you have for others.
My life is changing fast and I’m having a hard time keeping up. Just a short recap: My mother passed away late August 2025. In November, I drove across the country to have a funeral service (it was at...
Retirement is not just about money and savings, but instead is about living a life of purpose. Make sure you set your goals for what will bring you fulfillment and joy.
So, hear me out. My husband and I could have retired sooner, but we were having a difficult time trusting that we were ready. We had a pretty good portfolio of investments and savings, but was it enou...
Join us as we continue our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies to replace your anxiety with clarity and control. In part 3,...
I only recently found out that financial coaches exist… people who help with budgeting, saving, and planning Are they actually worth it for someone like me? For context: I’m a woman in my 50s, just so...
On the sorry state of retirement savings in the United States, and a policy that could help.
I'm 60. I retire in June. I have a state pension. There's a caveat that says I can retire, lay out for 90 days and start drawing my pension, then return to work for up to five years at full salary (an...
If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
A 401(k) can offer powerful tax advantages, but understanding how contributions, growth, and withdrawals are taxed is essential. Traditional 401(k)s lower your taxable income today, while Roth 401(k)s...
With decades of growth ahead, your 40s aren't just for saving. We asked financial advisers how to enjoy your income now without compromising your nest egg.
Once paychecks stop, it can be frightening to shift out of the savings habit. But there are strategies to enjoy your nest egg and make it last.
President Trump announces a federal retirement savings plan with a $1,000 match. Will it close the coverage gap?
My wife (62) and I are starting to think seriously about our next steps and would really value some outside perspective. I’m turning 60 this year. We’re mortgage-free and have around £250,000 in savin...
President Donald Trump unveiled a federal plan offering government-backed retirement accounts with a $1,000 annual match for workers without employer-sponsored plans.
An existing law could help create new retirement savings plans for people who lack them. But there may be income restrictions on any match.
I am 66 and my sister is 76, her husband is 84. We are both married, retired, have homes. But. I have several degrees, had a really good job in tech as did my wife. We saved enough money and are grate...
WHEN: March 23, 2026 12:00 PM-1:00 PM ET. WHERE: Zoom. Register By March 23, 202612:59 PM ET. Retirement planning doesn’t have to be daunting. Collect some tips for determining if you are on track to ...