Retirement


How Should Millennials Save for Retirement?

by Carrie Schwab-Pomerantz
September 21, 2016

Millennials value freedom and flexibility. Fortunately, today's retirement saving vehicles can offer them both. 
Laid Off and Worried About Money: What to Do Next?

by Carrie Schwab-Pomerantz
September 07, 2016

Handling your finances after a layoff takes careful planning, both to survive the present and help protect your future. 
Retirement Savings: Making Up for Lost Time

by Carrie Schwab-Pomerantz
August 03, 2016

You've put off saving. Do you have to put off retirement? Not necessarily. But you do need to start saving now!
Making Money Through a Rideshare Service Is About More Than Driving

by Carrie Schwab-Pomerantz
July 27, 2016

When you’re driving for a rideshare service, you’re running your own business. Have a plan before you get behind the wheel.
Do You Need Long-Term Care Insurance?

by Carrie Schwab-Pomerantz
July 20, 2016

LTCI can be smart to cover the costs of a long illness—but exercise a healthy dose of due diligence before you buy.
Postponing Retirement? Don't Postpone Planning for It!

by Carrie Schwab-Pomerantz
July 13, 2016

Being 65 doesn't mean you have to retire—but you do need to prepare for a smooth transition when the time comes.
What Should You Budget for Healthcare Costs in Retirement?

by Carrie Schwab-Pomerantz
July 06, 2016

Healthcare costs can be pretty steep in retirement, even for a healthy person. Here's why.
Changing Jobs: What Should You Do With Your 401(k)?

by Carrie Schwab-Pomerantz
June 29, 2016

What you do with your 401(k) when you change jobs has a lot to do with both your current and future plans.
Top 10 Financial To Do's for Today's Grads

by Carrie Schwab-Pomerantz
June 15, 2016

Graduation is an important milestone to mark the beginning of a new life—and new financial responsibilities.
Today's Retirement: Does the 4 Percent Rule Still Make Sense?

by Carrie Schwab-Pomerantz
June 08, 2016

The 4 percent rule for retirement is still useful—as long as you treat it as a guideline and remain flexible.
Does It Make Sense to Pay Off Your Mortgage?

by Carrie Schwab-Pomerantz
June 01, 2016

Whether or not to pay off your mortgage before you retire is a balance of practical considerations and peace of mind.
Roth IRA Withdrawals: The Exceptions Can Be as Important as the Rules

by Carrie Schwab-Pomerantz
April 06, 2016

With taxes, nothing is simple—including Roth distributions. Get the facts first to avoid taxes and penalties.
Maxing Out Your Tax-Deductible IRA

by Carrie Schwab-Pomerantz
March 23, 2016

Don't let confusion about IRA deductibility rules keep you from maximizing your retirement savings.
The Lowdown on 401(k) Loans

by Carrie Schwab-Pomerantz
March 16, 2016

There aren't strict rules on how many times you can take a 401(k) loan, but there can be far-reaching consequences.
Thinking of Taking an Early 401(k) Withdrawal? Consider the Ultimate Cost.

by Carrie Schwab-Pomerantz
March 02, 2016

Your 401(k) may seem like a source of ready cash but taking an early distribution could be more of a loss than a gain.
10 Financial Resolutions for a Brighter New Year

by Carrie Schwab-Pomerantz
December 23, 2015

Resolved to be in better financial shape next year? Here are 10 easy-to-keep resolutions to get you started and keep you on track.
Does an Ex-Spouse Qualify for Survivor Benefits?

by Carrie Schwab-Pomerantz
November 04, 2015

There are three basic qualifications for ex-spouse survivors' benefits. But there's even more to consider.
Taking Social Security at 62: Is It a Good Idea?

by Carrie Schwab-Pomerantz
October 14, 2015

Taking Social Security early is always an option—but it could cost you in the long run.
Saving for Your Child's Future? Define That Future.

by Carrie Schwab-Pomerantz
October 07, 2015

Saving for a child is a great idea but before opening an account, you need to think about your ultimate goal.
Will Debt Derail Your Retirement?

by Carrie Schwab-Pomerantz
September 23, 2015

Retired or not, your debts have to be paid. Best to come up with a realistic repayment plan ahead of time.
Social Security Strategies for Spouses: Do You Know Your Options?

by Carrie Schwab-Pomerantz
September 16, 2015

Want to maximize your Social Security benefits? If you're married, there's more than one way to do it.
Retirement Cash Reserves: What About a HELOC?

by Carrie Schwab-Pomerantz
September 02, 2015

A HELOC is great to cover the unexpected, but when it comes to retirement cash reserves, you need to plan ahead.
Filing for Ex-Spouse Social Security Benefits—Does Your Ex Have to Be Involved?

by Carrie Schwab-Pomerantz
August 19, 2015

If you qualify for SS benefits based on your ex's work record, it's a matter of age and timing—not communication.
This Is What Marriage Equality Looks Like—For Your Finances

by Carrie Schwab-Pomerantz
August 05, 2015

Now that the Supreme Court has legalized same-sex marriage nationwide, it's essential for new couples to familiarize themselves with the financial benefits of marriage. 
Social Security Questions: Where Can You Get Good Advice?

by Carrie Schwab-Pomerantz
July 08, 2015

Getting ready to contact the Social Security Administration? Don't expect them to give you financial advice.
Welcome to the Real World: Personal Finance Tips for New Grads

by Carrie Schwab-Pomerantz
June 24, 2015

Your child has graduated, but there's one more class he or she needs to take: Personal Finance 101.
Retirement Conundrum: Spend Now or Save for Later?

by Carrie Schwab-Pomerantz
June 17, 2015

If you plan carefully, it's possible to enjoy retirement without jeopardizing your future—even if you live past 90!
Women and Retirement: Can You Afford Not to Save?

by Carrie Schwab-Pomerantz
May 06, 2015

Women are living longer than men but saving less for retirement. Here's why they need to save more—and sooner.
Things You Want to Know About Investing but Are Afraid to Ask-- Part 3

by Carrie Schwab-Pomerantz
April 22, 2015

Got investing basics down? Great. But before you invest, there are still a couple more questions to ask.
Social Security: Should You Wait Until Age 70 To Collect?

by Carrie Schwab-Pomerantz
March 25, 2015

While waiting to collect Social Security means a bigger monthly check, that's not the only thing to consider.
Required Minimum Distributions: What Are the Dates and Deadlines?

by Carrie Schwab-Pomerantz
March 18, 2015

Turning 70½ is a milestone for you—and the IRS. Get the facts about Required Minimum Distributions and avoid whopping penalties.
If You Have a 401(k), Do You Need an IRA, Too?

by Carrie Schwab-Pomerantz
February 25, 2015

While a 401(k) can be the backbone of your retirement plan, there's a good case for having an IRA as well.
Close to Retirement? Don't Miss These Dates and Deadlines!

by Carrie Schwab-Pomerantz
January 14, 2015

Close to retirement? Here are some age-related dates and deadlines to put on your calendar.
What's in Store for 2015: Important IRS, Social Security and Medicare Updates

by Carrie Schwab-Pomerantz
January 07, 2015

Small changes in rules and regulations may affect how you save and spend in 2015. Best to be informed.
Should You Be Debt-Free Before You Retire?

by Carrie Schwab-Pomerantz
November 12, 2014

Being debt free before you retire can be a smart goal. But you have to look at your bigger financial picture.
Is Maxing Out Your 401(k) Enough?

by Carrie Schwab-Pomerantz
October 29, 2014

The IRS-mandated maximum 401(k) contributions may actually leave you short. To find out if you're on target, do the math!
You've Inherited an IRA—Now What?

by Carrie Schwab-Pomerantz
October 01, 2014

Inherited IRA rules are different for spouses and non-spouses. Make sure you know the rules that apply to you
Do You Have to Pay Income Taxes on Social Security Benefits?

by Carrie Schwab-Pomerantz
September 24, 2014

Depending on your retirement income, your Social Security benefits may be taxed. Don't be surprised. Be prepared.
Can You Dip Into Your IRA to Buy a First Home? Should You?

by Carrie Schwab-Pomerantz
September 17, 2014

The IRS says you can use IRA money penalty-free for a first home purchase. But that doesn't mean it's a good idea.
Social Security and Divorce: Can You Collect Benefits on Your Ex's Earnings Record?

by Carrie Schwab-Pomerantz
September 10, 2014

Even though you're divorced, you might be able to tap into your ex-spouse's work record for Social Security benefits—as long as you meet all the qualifications.
How Much Insurance Do You Need in Retirement?

by Carrie Schwab-Pomerantz
July 30, 2014

In retirement, some insurance is essential, and some is just a waste of money. Make sure you know the difference.
Roth vs. Traditional 401(k)—Which Is Better?

by Carrie Schwab-Pomerantz
July 23, 2014

If your employer lets you decide between a traditional and a Roth 401(k), consider choosing both!
Is Your Home Equity Part of Your Retirement Savings?

by Carrie Schwab-Pomerantz
July 16, 2014

Your home may be your biggest investment, but it's no guarantee of a comfortable retirement.
Social Security Basics—Five Things to Think About Before You Apply

by Carrie Schwab-Pomerantz
April 30, 2014

Are you maximizing your Social Security benefits? Here's what you should know before you apply. 
Retirement Ahead: Do You Have Enough Exposure to Stocks?

by Carrie Schwab-Pomerantz
April 23, 2014

It's recommended that people gradually move away from stocks as they get older—but can you overdo it?
9 Money Myths Exposed: Do You Know the Truth?

by Carrie Schwab-Pomerantz
April 16, 2014

Don't fall victim to common money myths and misconceptions. You can improve your financial reality by getting the truth.
Saving for Retirement: How Much Is Enough?

by Carrie Schwab-Pomerantz
April 09, 2014

Experts may say you need a million or more to retire, but is that true for everyone? It's best to run your own numbers. 
Is There a Secret to a Successful Retirement?

by Carrie Schwab-Pomerantz
April 02, 2014

Retirement may bring more leisure, but it takes some work to get there.
What's the Best Way to Pay for a Home Renovation?

by Carrie Schwab-Pomerantz
March 26, 2014

A 401(k) loan may sound appealing, but it's not the only—nor the best—way to get the cash for a home remodel.
Can You Give Part of Your IRA to Your Family Tax Free?

by Carrie Schwab-Pomerantz
March 19, 2014

You may be willing to share your IRA with your family, but Uncle Sam wants his share, too.
Spring Cleaning Tips to Put Your Financial House in Order

by Carrie Schwab-Pomerantz
March 05, 2014

Are your financial resolutions gathering dust? Refresh your finances with these easy spring cleaning tips.
Can You Contribute to an IRA If You Don't Have a Job?

by Carrie Schwab-Pomerantz
February 26, 2014

IRA contributions can only be made from what the IRS defines as earned income. But wages aren't the only type of income that qualifies.
Need to Put Retirement Savings on the Fast Track?

by Carrie Schwab-Pomerantz
February 26, 2014

Retirement saving isn't just about stashing cash. There are tax-smart ways to help you get farther faster.
Do You Know Enough About Your Family Finances?

by Carrie Schwab-Pomerantz
February 12, 2014

Even if your spouse is calling the shots financially, it's essential that you know the game plan. 
What's the Best Retirement Plan for Your Small Business?

by Carrie Schwab-Pomerantz
January 29, 2014

Own a small business? Don't miss out on these opportunities to save more for retirement and decrease taxable income.
Can You and Your Spouse Get on the Same Retirement Planning Page?

by Carrie Schwab-Pomerantz
November 20, 2013

Different money styles don't have to derail retirement planning. Here's how to work as a team.
Got Kids? Make Life a Little Easier With This Financial Checklist

by Carrie Schwab-Pomerantz
October 30, 2013

Raising kids is expensive, but being financially prepared isn't just about money—it's about planning ahead.
10 Scariest Money Mistakes-- Don't Be Tricked!

by Carrie Schwab-Pomerantz
October 23, 2013

Avoid these mistakes now to help build a more financially secure future.
Are Family Obligations Putting a Financial Strain on Your Retirement?

by Carrie Schwab-Pomerantz
October 16, 2013

Helping your family financially doesn't always mean writing a check. Get creative—and protect your nest egg.
Can the Affordable Care Act Help You Retire Early?

by Carrie Schwab-Pomerantz
October 02, 2013

If health insurance is the only thing keeping you from retiring, the new marketplaces may help your exit strategy.



The information on this website is for educational purposes only. It is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager.

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