Retirement Planning

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.

Can I contribute to a 401(k) and a traditional or Roth IRA? Many people have more than one retirement account. Maximize your retirement savings by understanding how you can contribute to multiple tax-advantaged retirement accounts.

Actively trading in an IRA may be a way for some people to attempt to manage risk and potentially increase their income stream in retirement—while enjoying certain tax-deferred benefits.

Your HSA can be used during retirement. Learning about contribution limits, withdrawal rules and tax implications can help you be strategic in deciding how your HSA might fit into retirement planning.

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.

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.

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.

Trying to figure out what to do with an old retirement plan? Consider a rollover IRA.

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.

Learn tips for retirement tax planning.

About 47% of current retirees begin drawing Social Security before their full retirement age, but the benefits are generally higher the longer one waits.

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

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.

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?

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.

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

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

Being fully committed to building your business doesn't mean you should ignore saving for retirement. Learn about available self-employed retirement plans.

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.

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.

Retirement looks different now than in days of yore. Make sure you’re informed and planning ahead with specific goals—financial and personal.

As you save for your own retirement, it’s important to take into account the possibility that you’ll need to help take care of your elderly parents.

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.

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

For grandparents, retirement is not all about the money. They equate joy in retirement with time spent with loved ones.

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.

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

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.

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

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.

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.

Interest rates are going up. If you hold an annuity, or are considering one, it’s important to understand how these investments will be affected.

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

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