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.
Looking for a few rules to help you plan your long-term investing? Here are five guidelines to help you keep your long-term portfolio aligned with your objectives.
How can you make the best financial decisions when you're suddenly single? Read this guide to managing your finances in the transition.
Are you nearing retirement and getting ready for tax season? Here are some retirement tax strategies to steer you in the right direction as the new year begins.
It’s important to know how tax rules differ in retirement, when your income is typically lower.
Think retirement is predictable? Actually, many retirees find their needs, wants, and wishes can change over time. It’s best to be prepared financially.
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.
Growth stocks and growth mutual funds can fit into investment portfolios of people planning to retire in the coming few years, retirement experts say.
You've worked hard to build your assets. An estate planning checklist can be helpful for any income level. Learn about 529 plans and other tax-advantaged strategies.
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.
Leverage the Social Security retirement age chart if you are not yet full retirement age to know when you should start drawing benefits.
Investing in exchange-traded funds (ETFs) can provide exposure to a wide variety of markets, sectors, and asset classes. Get tips to help you find ETFs that match your goals and investment style.
How might rising interest rates impact long-term investing decisions? Discuss the impact of a rate hike on long-term savings: fixed income, long-term care.
Ready for retirement planning? Here are nine categories to help you start budgeting for retirement.
It seems like a no-brainer to delay taking Social Security, but it might work better to claim your benefits early. Here are five reasons it may make sense.
The financial independence/retire (FIRE) early movement was popular years ago, but has COVID-19 derailed it? Here's a post-pandemic look at the FIRE movement.
How much of an emergency fund should you have for living in retirement? Build up a liquid emergency fund that can cover your household’s unexpected cash needs.
Many retirees spend their winters in southern states. But travel restrictions and COVID-19 concerns will likely impact the snowbird lifestyle this winter, especially if the U.S.–Canada border is closed.
Social Security is expected to see a shortfall in coming decades. Here’s what you need to know about protecting your golden years.
There are some big differences between traveling abroad versus retiring abroad. If you’re thinking about changing your country of domicile when you retire, remember to consider taxes, foreign exchange, health care, and some other things.
Markets—and the economy in general—tend to run in cycles, and each phase tends to favor certain sectors. Learn how sector investing can help investors seek specific objectives.
Financial fraud is a $1 billion industry and often targets the elderly. Here are some ways to provide fraud protection and prevention to your aging parents.
Want to travel in retirement? Why not consider #vanlife? Learn about the benefits and potential costs of life on the road to help you decide if it’s a lifestyle worth pursuing.
Estate planning is a task that we tend to avoid, but it needs our focus. This checklist can help ensure you don’t miss any key steps.
Do you perform an annual financial checkup? Just as annual medical checkups are an integral part of your health and well-being, it's also important to do a periodic assessment of your finances. During times of uncertainty it can be even more important.
Even if you got a late start on saving for retirement, there are ways to catch up on contributions to your 401(k) or IRA to have better chances of a successful life after work.
When planning for retirement, many people consider moving to states with low income taxes. But there are many other variables to consider, including the total tax burden and overall cost of living, when deciding whether to take the plunge and switch states.
Criminals who use mail, telephone, or email to try to collect bogus tax money have scammed thousands of people out of millions of dollars, as well as sensitive personal information. Here are some tips to help you avoid becoming a victim.
Retirement tax planning can help prevent taxes from chewing up retirement savings. Consider these retirement tax planning strategies, including required minimum distributions, to help protect your retirement income.
Learn tips for retirement tax planning.
Many retirees are surprised to learn that, above a certain income threshold, Social Security can be subject to taxation. Here are strategies to consider.
According to a recent survey conducted on behalf of TD Ameritrade, a majority of Americans over age 40 plan to keep working after their retirement age. Perhaps it’s time to get a fun side hustle.
It’s important to have a retirement plan in place, but if you have to retire early, what sources of income can you rely on?
Preparing for retirement can feel like a daunting task. However, there are some things you can do to reduce common fears.
Temporarily protect your retirement against volatility risk. Here are some retirement- planning strategies.
Do you want to own a second home as an investment or vacation property? Learn why it’s important to look before you leap.
Lifespans are increasing, potentially making fixed-income investments essential for retirees and near-retirees who need to generate reliable income.
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.
Now is the time to have a money check-in and set financial goals. Meet with a consultant who can help you set investment goals for the coming year.
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.
Learn about the benefits and challenges of multigenerational household finances and get details about household financial management.
As technology becomes more and more integral to our everyday lives, it’s also becoming a more prominent feature in retirement. Learn some of the apps that are improving seniors' lives.
Learn the potential benefits and pitfalls of reverse mortgages, including what to look for and what to avoid.
How might rising interest rates impact your retirement portfolio planning? Learn how rising rates can affect fixed income investments.
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?
Explore how to know when taking early retirement makes sense, and some of the things you should consider before retiring.
Publicly traded or private partnerships within the IRA can create UBTI or unrelated business taxable income. Learn how to report this information when filing taxes.
Learn four financial principles and objectives to consider as you approach your retirement years.
Feeling financially conservative at retirement age? Your golden years need not be totally devoid of growth investments.
The decision to downsize can be either personal or financial. Consider the pros and cons of downsizing to see what's the best option for your situation.
Learn how a charitable remainder trust may help you receive income in retirement and direct the remainder to your favorite charity.
The cost of debt with the physiological dangers and associated psychological shame weighs heavily among many Americans. Learn to create good debit habits.
Technological advances are making seniors more independent
Experience and wisdom still matter in the workforce, which can benefit older job-seekers. Follow these pointers when attempting to get that late-career job..
Where to retire is one of the most important decisions a person can make. How to decide?
As you ease into retirement, a 55-and-over community might be a solid choice, but they’re not all the same. Here are some things to think about.
Social Security offers extra benefits to those who delay retirement, but few do. Learn why waiting might make sense for some people.
Annuities are a retirement vehicle that can ride side-saddle with Social Security income and pensions. But they’re not for everyone.
When planning your estate allocation, a straight-even division might not be the most appropriate where there are special needs.
Want to boost your retirement savings by moonlighting with a side job? Here are some ideas.
Even though the rate of inflation has been low, it still impacts interest rates, bonds, and your portfolio. Find out more before the Fed’s next meeting.
When it comes to investing for retirement, it’s best to avoid your emotions. Learn how to avoid emotional investing.
If you split your time between two residences, proper tax planning should include certainty on your residency status and domicile.
It’s never too early to have “the talk” with your parents—about how they plan to spend and pay for the rest of their lives.
Being a grandparent gives you new opportunities to invest. Learn how investing for grandchildren may help you spoil them long into the future.
Is a dynamic approach to retirement fund drawdowns right for you? Go beyond the 4% rule and explore other strategies.
The complex task of preparing taxes is a priority for many people this time of year. Even if you plan to let a pro take on your taxes, it’s a good idea to brush up on the basics.
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.
According to a recent study, when pursuing the twin savings goals of college and retirement, it pays to have a plan.
Use the final months of the year for retirement account tune-ups, including automated steps that can help you avoid penalty risk.
Even those who are successful at building wealth aren’t necessarily done with their investment journey. Often, investors need assistance planning how to make
It’s important to determine how much money you need to retire, but another key decision is when to retire. This article features 12 questions to ask yourself.
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.
Setting one’s retirement goals can be a daunting task, with many variables to consider, and lots of unknowns so many people make the mistake of putting it off
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
Even if your elderly parents or spouse have a living will, it’s just as important to designate an an agent for financial decisions in the case of illness.
Here are six strategies to consider when planning for retirement on your own.
Is retirement just around the corner? Are you worried about being financially unfit? Here are six tips to help get you retirement ready.
For retirees, the recent dip to record low U.S. bond yields poses a challenge. Will investors be forced into more dangerous investments?
Women are more than twice as likely as men to lose a spouse to death. Learn how to move forward with your finances if you’re recently widowed.
Investors who set concrete goals for milestones they want to achieve, whether it’s buying a boat or putting a child through college, may have more success.
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
Retirement planners: Now is the time to look at year-end strategies and adopt habits in the new year to get you a few steps closer to your goals.
From boomerang kids to aging parents, let’s look at how the sandwich generation handles multi-generational living stresses and successes.
A TD Ameritrade survey finds Gen X is more worried about retirement savings than boomers or millennials. This “sandwich generation” may have more than retirem
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.
For most people, retirement means more time doing the things you enjoy. If trading is one of them, retirement could mean more opportunities to potentially generate income.
Tiny homes are trending, but will seniors choose to downsize and live small? We’ll look at the charms and challenges of the tiny lifestyle for retirees.
Can you invest in baby boomer buying habits? Research the stock sectors that could rise and fall with boomer purchases; 10,000 turn age 65 every day.
For some married couples, waiting until you turn 70 to collect Social Security benefits may be your smartest move.
Know your Social Security benefits: Depending on whether you are single and never married, divorced, or widowed, there are different options when it comes to
Could life’s curveballs wipe out your retirement savings? Prepare to adjust for unexpected hits to retirement plans.
Reducing debt is especially important for workers who are nearing retirement. Experts say: give credit cards priority.
Working in retirement can stretch your budget and your mind. But there are tax, IRA withdrawal, and Social Security benefits to consider.
The classic age/asset allocation formula is one place to start thinking about your retirement portfolio makeup. But the discussion shouldn’t stop there.
Ground rules, tax tips, and more to help you keep emotions in check and manage your finances wisely through the difficult process of a divorce and life afterward.
Research indicates that people who viewed computer-generated older versions of themselves took financial planning more seriously.
Where retirement planning and reality intersect, tough decisions loom. TD Ameritrade retirees share what they know now that they wish they knew then.
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