Life Happens: Retirement Planning for the Unexpected February 11, 2019 4:00 AM   |  

Unexpected events can get in the way as you prepare for and enter retirement. Here are some tips on how to try and mitigate their potential impact.

5 min read  |  Retirement Planning
Social Security: How It Works and Strategies to Maximize Your Benefits January 23, 2019 4:00 AM   |  

Learn how Social Security works and how to maximize your benefits and retirement income.

5 min read  |  Social Security
Simple Steps to Building a Retirement Budget December 10, 2018 4:00 AM   |  

Planning for your retirement? Here are nine things to consider for your budget checklist.

4 min read  |  Creating a Budget
I-Portfolio: Seeing the Road Ahead for Your Fixed-Income Investments December 7, 2018 4:00 AM   |  

Learn how the TD Ameritrade I-Portfolio tool can help you monitor and analyze your fixed-income investments.

5 min read  |  Web Platform
Retirees See 2.8% Social Security (COLA) Cost-of-Living Boost in 2019 December 5, 2018 4:00 AM   |  

The Social Security Administration announced a cost-of-living adjustment of 2.8% for 2019. But is that enough to outpace rising costs in retirement?

3 min read  |  Social Security
Avoid This Parent Trap: Long-Term Care for Aging Parents November 29, 2018 4:00 AM   |  

Retirement planning is no small task. As life spans increase, you may have to add caring for your aging parents to your own list of retirement concerns.

5 min read  |  Annuities
It's Shopping Season: Ideas to Help You Choose ETFs November 27, 2018 4:00 AM   |  

Considering exchange-traded funds (ETFs)? Understand fit, style, and value before you shop.

5 min read  |  ETFs & Mutual Funds
Grow Your Retirement Savings to Keep Up With Inflation November 26, 2018 4:00 AM   |  

Here’s why you need to keep your retirement money growing even when you’re already using it (hint: inflation and longevity).

7 min read  |  Retirement Planning
Social Security: Will You be Taxed? Ideas to Help Minimize the Impact November 14, 2018 4:00 AM   |  

Many retirees are surprised to learn that, above a certain income threshold, Social Security can be subject to taxation. Here are some things to consider.

5 min read  |  Social Security
Retirement Income: How to Know if You're On Track October 29, 2018 4:00 AM   |  

Are you on track to have income that lasts throughout your retirement? Learn six steps to help answer this question and create a retirement income plan.

6 min read  |  Plan Distributions
Reverse Mortgages Pros and Cons: Know the Basics September 14, 2018 4:00 AM   |  

Learn the potential benefits and pitfalls of reverse mortgages, including what to look for and what to avoid.

5 min read  |  Retirement Income
Fixed Income Investing in a Rising Rate Environment September 10, 2018 4:00 PM   |  

How might rising interest rates impact your retirement portfolio planning? Learn how rising rates can affect fixed income investments.

3 min read  |  Bonds & Fixed Income
Want To Boost Your Retirement Income? Consider Dividend Stocks September 5, 2018 4:00 AM   |  

Learn why you might want to consider dividends as a potential source of retirement income and how you can incorporate them into your retirement income plan.

4 min read  |  Portfolio Strategy
Hard Rowing Ahead? The Future of Social Security & Your Retirement August 21, 2018 4:00 AM   |  

Unless changes are made in the near future, the U.S. Social Security system may become underfunded, leaving future retiree benefits in doubt. How should you prepare?

3 min read  |  Social Security
Taking Social Security Early: Why It May Make Sense August 10, 2018 4:00 AM   |  

Deciding when to take Social Security can impact how much you receive, how soon you may need to tap other savings, and possibly your tax bill.

4 min read  |  Social Security
How Do Bonds Work? Coupons for the Investor Set July 30, 2018 4:00 AM   |  

Bonds are typically considered a more conservative investment that can help diversify your portfolio and help you attempt to ride out stock market volatility.

4 min read  |  Bonds & Fixed Income
Spend or Save Your Bonus? Consider Doing Both July 12, 2018 4:00 AM   |  

Many people save their bonus check, while others spend it on something they want. Find out how you could do both.

4 min read  |  Household Finances
One Income? 5 Ways to Help Stretch Your Money June 11, 2018 4:00 AM   |  

Either by choice or circumstances, many people, especially women, may find themselves having to manage financially on a single income. Check out this blueprint to help you meet your needs and pursue your savings goals on a one-income budget.

5 min read  |  Household Finances
Approaching Retirement? New Financial Objectives and Mindset January 11, 2018 11:00 PM   |  

Learn four financial principles and objectives to consider as you approach your retirement years.

3 min read  |  Retirement Planning
Balancing Portfolio Risk and Growth After You've Retired December 26, 2017 11:00 PM   |  

Feeling financially conservative at retirement age? Your golden years need not be totally devoid of growth investments.

2 min read  |  Retirement Planning
Have You Done Your Annual Retirement Planning Checkup? November 14, 2017 11:00 PM   |  

As the year winds down, it’s time to assess your retirement accounts, look at your retirement plan and determine if you should make an annual contribution.

3 min read  |  IRA & 401k Plans
Your Options ABCs: Basic Call and Put Option Strategies October 26, 2017 12:00 AM   |  

Though some option strategies are quite complex, options education begins with the basics of calls and puts.

5 min read  |  Options Trading Basics
Interest Rates Edging Higher; Is It Time to Consider Annuities? October 11, 2017 12:00 AM   |  

Annuities might be a good way to protect principal or guarantee retirement income. Learn how rising interest rates might affect annuity rates.

3 min read  |  Annuities
Dividends: Potential Income Generator in a Low-Yield Environment September 11, 2017 12:00 AM   |  

In low-interest rate environment, investors sometimes look to dividend-paying stocks as a mean of generating income.

3 min read  |  Stocks & Stock Sectors
Preferred Stock: A Potential Income Arrow in the Quiver September 6, 2017 12:00 AM   |  

Learn the ins and outs of preferred stock, and the differences between preferred stock, common stock, and corporate bonds.

3 min read  |  Stocks & Stock Sectors
Why Wait? When It Comes to Social Security, Patience Can Pay July 26, 2017 12:00 AM   |  

Social Security offers extra benefits to those who delay retirement, but few do. Learn why waiting might make sense for some people.

4 min read  |  Social Security
Estate Planning: Build Up, Draw Down, Distribute Balance July 19, 2017 12:00 AM   |  

Learn why estate plans aren’t just for the wealthy, and what you can do to protect yourself and your loved ones.

5 min read  |  Estate Planning
Income in Retirement? Consider an Annuity, but Understand the Risks July 12, 2017 12:00 AM   |  

Annuities are a retirement vehicle that can ride side-saddle with Social Security income and pensions. But they’re not for everyone.

5 min read  |  Annuities
A Guide to Collecting Social Security on an Ex’s Record June 28, 2017 12:00 AM   |  

If you’ve been divorced for at least two years, you can collect from a spouse’s Social Security benefits as early as age 62, so long as you stay single.

4 min read  |  Social Security
Six Retirement Planning Tips to Turn Your Goals into Action June 21, 2017 12:00 AM   |  

When retirement planning, there are many things to consider while assessing your income, expenses and assets. These 6 steps can help turn your goals into acti

7 min read  |  Goal Planning
The Role of Market Cycles in Sector Investing April 14, 2017 12:00 AM   |  

Sector investing is one approach to aligning investments to support specific investing objectives such as generating income and preserving capital.

5 min read  |  Stocks & Stock Sectors
Strategies and Seasonality in Sector Investing April 12, 2017 12:00 AM   |  

Sector investing can help align investments to specific objectives. For investors with many years before retirement, focus on traditional growth sectors.

8 min read  |  Stocks & Stock Sectors
Boomer RMD Requirements: Mistakes to Avoid, Q&A March 22, 2017 12:00 AM   |  

Avoid stiff RMD penalties: you may begin withdrawing funds from your IRA and 401(k) accounts at age 59 1/2, but when you turn 70 1/2, it's required.

4 min read  |  Plan Distributions
It's Your Time—How to Shed the Worry and Guilt in Retirement March 7, 2017 11:00 PM   |  

You've worked hard to save for retirement, so now it's important to enjoy the fruits of your labor.

4 min read  |  Retirement Lifestyle
Bumpy Porch Swings: Wants, Needs Often Shift For Retirees February 15, 2017 11:00 PM   |  

Think retirement is predictable? Actually, many retirees find their needs, wants, and wishes can change over time. It’s best to be prepared financially.

4 min read  |  Retirement Lifestyle
Drawing It Down: Taming Dynamic Retirement Withdrawals January 24, 2017 11:00 PM   |  

Is a dynamic approach to retirement fund drawdowns right for you? Go beyond the 4% rule and explore other strategies.

3 min read  |  Plan Distributions
Drawing It Down: Think Sequentially to Limit Market Risk January 3, 2017 11:00 PM   |  

When considering how and when to draw down your retirement funds, look beyond the 4% rule and consider sequence of return risk.

2 min read  |  Retirement Planning
Drawing It Down: Tweaking the 4% Rule for Retirement Funds December 27, 2016 11:00 PM   |  

Part 1 of the 4-part "Drawing it Down" series looks at the 4% rule, and why the rule-of-thumb drawdown strategy may be in need of tweaks.

3 min read  |  Plan Distributions
Done Saving for Retirement? Great, But More Planning Ahead December 15, 2016 11:00 PM   |  

Even those who are successful at building wealth aren’t necessarily done with their investment journey. Often, investors need assistance planning how to make

5 min read  |  Goal Planning
Could a Franchise Create Your New Retirement Income Stream? November 29, 2016 11:00 PM   |  

Looking for an income stream, and maybe a post-retirement career where you can be your own boss? Perhaps a franchise is in your future.

2 min read  |  Retirement Lifestyle
Social Security Is Strained. How It Could Affect Your Retirement November 8, 2016 11:00 PM   |  

Unless changes are made in the near future, the U.S. Social Security system may become underfunded, leaving future retiree benefits in doubt. How should you p

3 min read  |  Social Security
Get a (Part-Time) Job! The New Way To Retire? October 20, 2016 12:00 AM   |  

If your retirement plans are short on cash or long on time, consider a part-time job to ease the transition and delay the withdrawals from your nest egg.

3 min read  |  Retirement Lifestyle
Preparing for Retirement: Singles Need To Think Differently October 13, 2016 12:00 AM   |  

Here are six strategies to consider when planning for retirement on your own.

3 min read  |  Goal Planning
Retirement: Better to Live Rich Today than Die Rich Tomorrow September 1, 2016 12:00 AM   |  

What are you saving for and why? Here are ideas to help you plan for a retirement that’s worth living and sharing with your loved ones.

3 min read  |  Savings Goals
Income Options: Selling Covered Calls, Selecting Strategic Strikes August 24, 2016 12:00 AM   |  

Covered calls are one way to earn income from stocks you own. Learn more about how to sell covered calls and strategically select strike prices.

3 min read  |  Options Trading Basics
Income Conundrum: Retirees Seek Higher Yields but Not Risk July 28, 2016 12:00 AM   |  

For retirees, the recent dip to record low U.S. bond yields poses a challenge. Will investors be forced into more dangerous investments?

7 min read  |  Bonds & Fixed Income
Taking the Long View with Your Investments: DCA and DRIP July 26, 2016 12:00 AM   |  

Long-term investors typically don’t try to time the market. Find out why (hint: it’s risky and can be expensive).

3 min read  |  Portfolio Strategy
Rent a Room: How to Turn a Spare Bedroom into Cash Flow July 11, 2016 12:00 AM   |  

There’s about $174.9 billion of untapped real estate in America. Are you ready to rent out a spare bedroom?

2 min read  |  Creating a Budget
Can Real Estate Rentals Add to Retirement Income? June 29, 2016 12:00 AM   |  

Learn why some investors are turning to home rentals for an additional retirement income stream.

2 min read  |  Retirement Lifestyle
Retirement Funds Sparse? Start Catching Up Late in the Race March 30, 2016 12:00 AM   |  

Even those approaching retirement without adequate funds can find ways to catch up and have a successful life after work.

3 min read  |  Retirement Planning
Income Investing with Exchange-Traded Funds: Can It Be Done? March 8, 2016 11:00 PM   |  

ETFs have matured but they’re not done evolving. Morningstar’s Scott Burns urges income-seeking investors to expand their minds and their research.

5 min read  |  ETFs & Mutual Funds
Retirement Income: A Look at Annuities February 29, 2016 11:00 PM   |  

3 min read  |  Annuities
How Revamped Social Security Rules Could Impact Retirees February 14, 2016 11:01 PM   |  

New Social Security rules eliminate the double-claiming used by married couples to grow benefits. Here’s what you need to know about this change to retirement

3 min read  |  Social Security
Dividend Increases: An Indicator for Stock Strength? January 27, 2016 7:01 PM   |  

Looking for new ways to win in the stock market? Dividend-paying stocks can be quite attractive.

4 min read  |  Fundamental Analysis
Rethink Options: Aim for Income by Embracing Market Inaction November 23, 2015 7:00 PM   |  

Income-focused option trades succeed when the market doesn’t move that much. Learn how to recognize income opportunity.

4 min read  |  Options Trading Basics
Making the Most of IRA Withdrawals November 3, 2015 3:00 AM   |  

After years of contributing to your IRA, making withdrawals can take some getting used to. We’ve gathered some possible alternatives to help you manage your mandatory withdrawals.

3 min read  |  Plan Distributions
Age-Beaters: Longevity Annuities May Be Your Income Answer October 18, 2015 8:00 PM   |  

After rule changes, deferred income annuities known as Qualified Longevity Annuity Contracts (QLACs) offer delayed income payments as late as age 85 for IRAs.

4 min read  |  Annuities
Retirement: Dynamic Withdrawal Theory Matures with Boomers April 26, 2015 8:00 PM   |  

Dynamic withdrawal retirement income strategy is quite a mouthful. The math is necessarily complex, too. But the concept is simple and playing an increasing role in baby boomer retirement planning.

5 min read  |  Plan Distributions
Income Investments Beyond Dividend Stocks and Bonds April 20, 2015 11:25 AM   |  

Easy monetary policies have left income investors in a lurch. But exchange-traded funds (ETFs), REITs, master limited partnerships (MLPs), and preferred stocks can help fill the gap.

1 min read  |  Real Estate
Seeking Yield for Income? Don’t Count Out Preferred Stocks March 19, 2015 5:00 AM   |  

Some investors are considering preferred stocks with yields as traditional fixed income assets grind along at historical lows and look to rise moderately under a go-slow Federal Reserve approach.

3 min read  |  Stocks & Stock Sectors
Trading in Retirement: To Be Feared or Revered? March 18, 2015 4:00 AM   |  

If you choose to use trading as a source of retirement income, it’s important to keep in mind the risks that come along with the potential rewards.

3 min read  |  Portfolio Management
Losing Its Luster? Why the 4% Rule Isn't So Golden Anymore January 29, 2015 4:00 AM   |  

The global financial crisis and other recent market developments raise questions over the validity of the 4% withdrawal guideline for retirement funds.

5 min read  |  Plan Distributions
Index Annuities Myth Buster October 31, 2013 8:00 PM   |  

Index annuities popularity is on the rise and that’s a little scary. Put in your due diligence before you jump in.

6 min read  |  Annuities
Options Lab Part 2: Income Strategy for the Faint of Heart September 30, 2013 8:00 PM   |  

Learn how to use select options strategies to earn income on your stock portfolio.

6 min read  |  Advanced Options Strategies
Options Lab Part 1:
Why Options? Why Not?
August 31, 2013 8:00 PM   |  

First in a series of brief, instructional articles that start at the beginning and build to combining and applying basic option trading principles in more complex strategies, including spreads.

5 min read  |  Options Trading Basics
Delay Your Retirement, Not Your Play Time April 5, 2013 2:30 PM   |  

Delay your retirement date but not the gratification of retirement dreams. T. Rowe Price calls it Practice Retirement®.

5 min read  |  Retirement Planning
It’s an Insurance Thing: A Fresh (or First) Look at Annuities March 5, 2013 11:04 AM   |  

Redesigned annuities are less expensive and easier to understand and buy, yet still customizable. They can be a vital hedge against outliving your assets.

6 min read  |  Annuities
We’ve Been There, Kid: Retirees Provide Tips for Your Future February 5, 2013 8:39 AM   |  

Where retirement planning and reality intersect, tough decisions loom. TD Ameritrade retirees share what they know now that they wish they knew then.

4 min read  |  Goal Planning
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