Retirement Planning

SECURE Act 2.0 is now law. With dozens of new provisions, many Americans will get to invest longer for retirement, put away more money, and take advantage of the biggest changes in years for their employer-sponsored 401(k) plans.

What is the 1040-SR form? If you're going to be 65 or older at the start of 2023, you can file your taxes with this form. Here's everything you need to know.

Wish you could contribute to a Roth IRA, but you're above the income limit? Consider using a backdoor Roth IRA to make it happen.

The SECURE Act is included in the appropriations bill just passed by Congress. Here’s what you need to know about the changes coming to retirement.

The SIMPLE IRA can be an inexpensive retirement savings tool that employers may choose for their workers and themselves as well.

Can I contribute to both my employer's 401(k) and a traditional or Roth IRA? How do I make the most of my retirement savings with more than one account?

Consider a rollover IRA if you're trying to figure out what to do with an old 401(k) retirement plan. Learn the IRA rollover rules and strategies.

The cost-of-living adjustment (COLA) for those on Social Security might be the highest it’s been in more than two decades due to recent inflation. Here’s what you need to know.

Have 401(k) questions? We’ve got answers to the most frequently asked 401(k) questions to demystify the most common type of retirement plan. Explore contributions, taxes, withdrawals, and penalties for your 401(k) plan.

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.

Want to provide a retirement plan for your employees? You have some great alternatives. Here’s how to choose between a SEP-IRA and an employee profit-sharing plan.

Growth stocks and growth mutual funds can fit into investment portfolios of people planning to retire in the coming few years, retirement experts say.

Women may be more likely to face challenges later in life due to a number of factors.

As a freelancer, being fully committed to your business doesn’t mean you should ignore saving for retirement. Learn about self-employed retirement plans.

Inherited IRA? Here’s what you need to know about making the most of that money.

With the stretch IRA gone thanks to the SECURE Act, it might be time to revisit your estate plan. If you have money in a traditional IRA, you might consider a Roth IRA conversion.

Leverage the Social Security retirement age chart if you are not yet full retirement age to know when you should start drawing benefits.

Retirement planning can be a daunting task. These four steps can help break the process down into manageable steps.

Understand how 401(k) fees could be affecting your retirement savings.

Everyone has a different financial situation, and they may want to consult a financial advisor for different reasons. Learning about financial advisors can help you determine which financial professional may be right for you.

If you work for a public service organization or government, you might be eligible for a special kind of retirement savings account. Here’s what you need to know about the 457(b) vs. 403(b) retirement plans.

Trading in an IRA may be a way for some people to try to manage risk and potentially increase their income stream in retirement while having some tax-deferred benefits.

Your Health Savings Account (HSA) can be used during retirement. Learn about contribution limits, withdrawal rules, and tax implications to help you be strategic in retirement planning.

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.

Follow this helpful guide of eight tips that can help you automate and streamline your finances.

Ultra-low interest rates and a promise by the Fed to keep rates low for a while has many retirees rethinking their bond portfolios. But is that the best course?

Hoping to thrive in the gig economy? Not a participant but you like the value proposition? Perhaps you might consider investing in the gig economy.

Are you in retirement or about to transition into retirement? Here are tips for consideration as you make your retirement your new reality

Be more confident preparing for retirement at any age. Here are some tips to help you start planning for your retirement.

How might the CARES Act impact your retirement accounts? Here’s what you need to know about tax and retirement relief in the time of the coronavirus.

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.

Women are making up a bigger part of the workforce and the economy. Here’s how you can make the most of your financial power as a woman.

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.

Learn tips for retirement tax planning.

Do you have an old 401(k)? You probably won't find it under the couch cushions. Learn tips on how to find an old 401(k) from a previous employer and what you could do with it once you've found it.

There are several retirement myths that could lead to mistakes in your retirement planning. Don't risk sabotaging your retirement by accepting these myths as truth.

Are you making the shift from accumulation to decumulation in retirement? Learn about the difference between these stages.

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?

Financial advisors can do more than help you establish a portfolio. You can turn to a professional for help with a number of financial challenges in life.

A new TD Ameritrade survey found that children’s sports are impacting parents’ ability to save for retirement.

Gen X and millennials have been gathering investable assets, and the younger generations have different financial wants and needs from their baby boomer parents. Is your financial advisor on board?

Baby boomers will soon start to enter retirement, and with life expectancy extending, there will be many volatile factors to consider for your own retirement.

The transition from career to retirement doesn’t have to go straight from the office to the retirement community. Here’s how one woman’s retirement path took a detour through a field of flowers.

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

Learn about the max 401(k) contribution so you can get the biggest bang for your retirement buck.

Explore how to know when taking early retirement makes sense, and some of the things you should consider before retiring.

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.

Deciding when to collect Social Security is a key part of planning for retirement. Learn how waiting to collect Social Security benefits could significantly increase your retirement income.

Today's workers face many challenges in their pursuit of a secure retirement. Learn what those challenges are and the benefits of using workplace retirements plans, such as 401(k)s, and IRAs to help close the retirement savings gap.

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

What will keep you happy in retirement? Money, sure, but other things may be more important.

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

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.

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.

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.

Youth sports has become a $7 billion a year business, but a new TD Ameritrade survey finds that many parents are putting their children’s sports ahead of thei

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

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

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

Could life’s curveballs wipe out your retirement savings? Prepare to adjust for unexpected hits to retirement plans.

The line between work and retirement is blurring, and that can be a good thing. Discover the financial and emotional benefits and risks of phased, or step-dow

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.

Several studies have found an unexpected benefit to saving for the future – greater health and happiness today.

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