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Retirement

Social Security's Projected Shortfall: An Age-by-Age Guide for Planning

You've probably heard the warnings—the Social Security Trust Fund is on track to become insolvent in 2035. The Social Security Administration currently estimates at that point, taxes will only cover 75% of scheduled benefits. Consider that a 25% cut to your estimated Social Security benefit. The culprit? In part, blame it on demographics. The elderly share of the population ...

March 29, 2017

Building Your Retirement Budget? Be Realistic and Cash Smart

So you’re planning your retirement, and you say you’ll chop the budget, since your spending will go down in retirement. Right? Well, that’s the conventional wisdom ...

March 22, 2017

Boomer RMD Requirements: Mistakes to Avoid, Q&A

After decades of socking away money in retirement funds, baby boomers who turn 70 1/2 this year hit the required minimum distribution (RMD) age threshold. ...

March 15, 2017

Attention Snowbirds: Don't Get Hit With Unexpected Tax Bills

As the weather gets colder, snowbirds migrate to warmer climates to enjoy milder winters. However, many are unaware of the tax rules for Americans who split their ...

March 8, 2017

It's Your Time—How to Shed the Worry and Guilt in Retirement

Congratulations—after decades of working, paying off the mortgage and the kids' educations and, yes, squirreling away money for your retirement, you've reached that ...

March 8, 2017

Retirees and Fixed Income Planning in a Rising Rate Environment

Uncertainty surrounding low interest rates and their future direction has been a cause for concern among investors nearing, or in, retirement for quite some time...

March 3, 2017

IRA Rollover Rules and Key Considerations: 5 Must Knows

Thinking about a rollover from your old 401(k) or other employer sponsored retirement plan to an Individual Retirement Account (IRA)? It’s a pretty simple move...

March 1, 2017

Never Too Early to Have the Long-Term Care Talk with Your Parents

Did your parents have the birds-and-the-bees talk with you when you were younger? Remember how...

February 22, 2017

Want a Smooth Handoff? Consider a TOD Registration

Let’s face it—when thinking about how we want to spend our time, estate planning doesn’t really bubble to the top of the list. The checklist of considerations can ...

February 16, 2017

Bumpy Porch Swings: Wants, Needs Often Shift For Retirees

In the decades before retirement, those so-called “golden years” may seem like a calm oasis off in the distance where the years roll by with little change.

February 15, 2017

A Sip of Flat COLA For Your Social Security? What To Consider

When it comes to Social Security, the government sometimes gives and often takes away. This year it's taking away a little more from workers while the ...

February 15, 2017

The Rundown on IRAs: What They Mean for You

We need to talk about retirement. And yes, we know it’s the last thing you want to think about right now, but...

February 14, 2017

Seamless Shift: Retirement Savings to Retirement Income

Some people worry they’ll be bored and not know what to do with themselves during retirement. Others have a long bucket list and can’t wait to start doing the things...

February 14, 2017

Tax Liability in an IRA? Never Say Never

An Individual Retirement Account (IRA) is a tax-favored vehicle used to set money aside for retirement. With a traditional IRA, you may be able to ...

February 8, 2017

See How You've Progressed with Your Retirement Savings

Chances are you’ve put an actionable retirement plan into place, but sometimes life can get you sidetracked...

February 1, 2017

Too Busy Building Your Business To Plan For Retirement? SEP IRA

If you’re a small business owner or sole proprietor, you may be one who manages it all—sales, marketing, customer service, billing, and quality control. While ...

January 25, 2017

Drawing It Down: Taming Dynamic Retirement Withdrawals

Funds getting ready to emerge from the nest egg? After years of saving, you've hit or come close to your retirement goals. Congratulations; it's a huge financial ...

January 19, 2017

Inherited IRAs and Complex Rules: What You Need to Know

You’ve just been notified that you inherited a sizable individual retirement account, or IRA. Now what? This is another in the “it depends” answer column, as the IRS ...