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From HSAs to backdoor Roths and even taxable brokerage accounts, there are plenty of ways to boost retirement savings once you've hit your full 401(k) match.
A charitable remainder unitrust (CRUT) can create a lifetime income stream and alleviate worry for retirees who underspend out of fear their money won't last.
It is always interesting to review spending levels recommended by advisors and financial commentators for hypothetical retired households and compare them with amounts generated using the Actuarial Fi...
Before 2026 ends, review your retirement savings, consider increasing 401(k) and IRA contributions, use eligible catch-up contributions, and rebalance your investments. For 2026, new Roth catch-up rul...
When Trump accounts were introduced this July, I wondered: Should I take advantage of it? This somewhat convoluted vehicle is really a long-term retirement savings account for minor children. How shou...
Advisors discussed how they guide clients through the competing priorities of saving for their own retirements versus their children's college educations.
Retirement savings stress often comes from uncertainty, not just your account balance. Creating a retirement plan, reviewing your 401(k) regularly, and getting professional help when needed can help y...
Your savings may have to go through probate if you don't name a beneficiary. Here's how to make it easier for your heirs to access the money.
Today is National 401(k) Day, and a perfect moment to revisit retirement plans. Advisors can use these five strategies — from IRA rollovers to next-gen outreach — to help clients optimize their saving...
A National Institute on Retirement Security survey finds debt is keeping most Americans from saving, and few know what their money will earn. The post 77% of Americans Say Debt Is Blocking Their Retir...
True financial planning takes well-being into consideration so you're not caught out by the profound shifts you encounter when you reach midlife or retire.
Managed accounts are associated with higher employee contributions in defined-contribution retirement plans, the research firm found. Advisors working on employer plans might want to take note.
In addition to saving and investing, financial literacy should teach us how to manage 401(k) cash-outs and rollovers so we can protect our wealth.
Under-saving is a math problem you can still fix. Over-saving can cost years you won’t get back. Here’s how to tell which one you’re doing. The post Are You Saving Too Much for Retirement? appeared fi...
Are you accidentally sabotaging your own financial security? A top financial executive explains why doing what feels "safe" might be your biggest risk.
In this week's Wealth Wise advice column, financial experts answer four critical questions about rising tuition, shifting job markets, and navigating the new 529 plan rules.
A divorce decree ends the marriage, but a QDRO moves the money. Test your retirement plan division readiness with our quick 10-question quiz.
Financial expert Farnoosh Torabi breaks down the costly retirement mistake most retirees ignore and how to fix it before it hurts your savings.
New guide addresses a CFP professional’s fiduciary obligations when providing financial advice on whether to roll over assets from an employer plan
Don't beat yourself up if you've taken a hardship withdrawal from your 401(k). Here's how you can avoid it in the future.
Could doing everything "right" with your retirement savings actually be limiting your financial freedom? As part of our "By the Numbers" series, in this episode, you'll learn: Why "max out your 401(k)...
Answering listener questions about the most effective levers for catching up after a late start to retirement saving, tax-loss harvesting, and when added investment complexity may or may not be worth ...
While a solid financial plan tells you if you can afford to retire, a "second checklist" focused on purpose, relationships and well-being is also important.
Hackers are targeting your retirement savings — and they need little more than your email account or cellphone number to gain access. Here's how to stay safe.
Prepaying everyday bills is the easiest way for retirees to lock in savings without cutting back. Here are five recurring expenses to pay upfront.
A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research. The post Sequence of Returns Risk: How to Protect Your Sa...
Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you...
I'd love some thoughts on my situation. I just turned 69, widowed since 52. Have always worked full time and still do, always for small companies so no retirement plans. Husband passed 15 years ago. I...
The S&P 500 has been a portfolio staple for generations. But how should an index ETF actually fit into your retirement strategy? Here is what experts say.
Americans are saving more for retirement than ever before, yet more workers are also tapping their 401(k)s for financial emergencies. According to Vanguard’s How America Saves 2026 report, hardship wi...
I've got a decent chunk saved for retirement (to the point where I'm beginning to back off on contributions a bit), but I'm still a few years out, so I have some time to make some adjustments. What ar...
Between Trump accounts and child-friendly investment platforms, it has become much easier for parents to invest for their children’s future.
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
Women are often more consistent retirement savers than men, according to Vanguard’s How America Saves 2026 report. They participate in 401(k) plans at higher rates and frequently save a larger percent...
Learn how Net Unrealized Appreciation (NUA) may reduce taxes on employer stock held in a 401(k) and when this often-overlooked retirement strategy may apply.
Geographic Arbitrage is the most underrated risk-management tool in early retirement, and could help you shave years off your FI journey! Read more → The post Your ZIP Code Is a Bigger FIRE Lever Than...
Here's a look at how retirement savings have changed over the past fifty years, from pensions to DIY investing.
Take the time to reduce your anxiety about spending money in retirement, and you’ll feel better about spending money on things that make you happy.
Americans are working for more companies across their lifetime — and for far longer. That can lead to greater tax liabilities you'll need to plan for.
It may seem like everyone wants to sell you a whole life insurance policy. Is it worth it as a retirement savings hack?
Like your golden years, RMDs creep up on you quicker than you think. Planning ahead can prevent you (and your heirs) getting hit with penalties and extra taxes.
With more financial pros potentially turning to AI "agents", your private tax data — and nest egg — might be resting on a foundation of unverified code.
A new IRA marketplace will have the goal of encouraging more Americans to save for retirement, as well as offering a $1,000 contribution to those who enroll.
What looked like smart tax planning could become a problem. And not just for you — your kids could inherit a tax bomb. How to head off potential disaster.
Before you book your next getaway, test your travel savings strategy. Take our short quiz to uncover the best ways to protect your wallet on vacation.
McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion "lag" and whe...
Congress continues to increase the tax and estate planning benefits of 529 plans, making them a must-consider tool for parents and grandparents.
A common retirement game plan for physicians goes something like this: sell the lake house, buy a condo in Scottsdale, ... Read more
A UAW worker in Indiana worked his whole life, budgets carefully, has a 401(k)—and has nothing saved. Harry's story is the retirement crisis made human.