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I retired this past March. My wife is really struggling with this shift. She has been great at saving over the years and now she doesn’t understand that one of the reasons we worked so hard to save wa...
I'm a 55M who started saving later in life than I should have and as I near retirement I am confused as to what to do next. I want to retire at 61/62, though I know I may need to work to at least 65. ...
Before Dec. 31, investors can potentially cut taxes through tax-loss harvesting, charitable giving, smarter rebalancing, and avoiding costly year-end tax traps.
Ready to retire? See what it's like to work with us → https://learn.rootfinancial.com/82eebb ======================= Most people retire afraid of running out of money. For a lot of people with $2 mill...
Reframing this annual benefits selection window can offer a chance to maximize savings and strengthen financial well-being.
Answering listeners' questions about how much to save, where to invest, how to catch up if you're behind, and why saving for retirement still matters even after reaching financial independence. The po...
Although younger clients tend to have fewer assets, advisors can build long-term relationships with them by demonstrating the benefits of compound growth and holistic financial planning.
Retirees are flocking to tax‑free states, but the real savings come from timing income, restructuring portfolios, and updating estate plans to avoid costly surprises.
As the article points out, there are a lot of deep seated reasons why people don’t spend when they clearly have the money to enjoy retirement. Fear and habit’s are two of the pillars of resistance to ...
Even wealthy pre-retirees worry about financial security in retirement. That's because peace of mind requires an income strategy, not just a high net worth.
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.