Does an Ex-Spouse Qualify for Survivor Benefits?

November 4, 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?

October 14, 2015

Taking Social Security early is always an option—but it could cost you in the long run.

Will Debt Derail Your Retirement?

September 23, 2015

Retired or not, your debts have to be paid. Best to come up with a realistic repayment plan that considers both your finances and your feelings.
Social Security Strategies for Spouses: Do You Know Your Options?

September 16, 2015

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

September 2, 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?

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.
Social Security Questions: Where Can You Get Good Advice?

July 8, 2015

Looking for advice on your Social Security questions? Realize that the SSA is there to give you the facts and help you navigate the system—not give you financial advice.
Retirement Conundrum: Spend Now or Save for Later?

June 17, 2015

If you plan carefully, it's possible to enjoy retirement without jeopardizing your future—even if you live past 90!

Yes, There are Retirement Benefits for a Nonworking Spouse.

June 3, 2015

Even if your spouse hasn’t worked outside of the home, he or she is entitled to certain retirement benefits, including Social Security.
How Much Should You Be Saving?

April 29, 2015

Everyone knows it's important to save. But how much? That depends on your goals and how long you have to reach them.
Social Security: Should You Wait Until Age 70 to Collect?

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?

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?

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!

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

January 7, 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?

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?

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?

October 1, 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?

September 24, 2014

Depending on your retirement income, your Social Security benefits may be taxed. Don't be surprised. Be prepared.
Roth vs. Traditional 401(k)—Which Is Better?

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?

July 16, 2014

Your home may be your biggest investment, but it's no guarantee of a comfortable retirement.
What's On First—Paying Off Student Loans or Saving for Retirement?

June 18, 2014

Don't let student loans jeopardize your future. Strike a balance now between paying back debt and saving.
Should the New myRA Account Be Your IRA Account?

May 14, 2014

The new myRA can be a step in the right direction for retirement savings, but it's a baby step at best.
Social Security Basics—Five Things to Think About Before You Apply

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?

April 23, 2014

It's recommended that people gradually move away from stocks as they get older—but can you overdo it?
Saving for Retirement: How Much Is Enough?

April 9, 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?

April 2, 2014

Retirement may bring more leisure, but it takes some work to get there.
Can You Give Part of Your IRA to Your Family Tax Free?

March 19, 2014

You may be willing to share your IRA with your family, but Uncle Sam wants his share, too.
Can You Contribute to an IRA If You Don't Have a Job?

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?

February 26, 2014

Retirement saving isn't just about stashing cash. There are tax-smart ways to help you get farther faster.
Worried About Spending Your Retirement Savings?

July 27, 2011

If you've been smart about retirement saving, you're ahead of the game. But to stay ahead, you need to be equally smart about retirement spending.
Thinking of Taking Money from Your 401(k)? Consider the Ultimate Cost.

June 15, 2011

You could use money in your 401(k) to get out of a financial jam—but it will cost you in more ways than one.
How Can I Catch Up on Retirement?

May 18, 2011

Did you dip into your retirement plan during the recession? Catching up may be hard to do, but you'll need to save, save, save!
If You're Not Getting a 401(k) Match, Is It Worth Making the Contribution?

May 11, 2011

If your company doesn't offer an employer match in your 401(k) plan, is it still worth doing? The short answer: Yes! 
Self-Employed? There's More Than One Way to Save for Retirement

April 20, 2011

If you're self-employed, don't put retirement planning on the bottom of your to-do list. Start saving with a SEP—then save some more.
You're In Debt: Does a 401(k) Loan Make Sense?

December 1, 2010

Does it make sense to borrow from your 401(k) to pay off debt?
Aiming High: How Can I Amass a Fortune by the Time I Retire?

November 24, 2010

If your goal is to be really rich, then think outside the box… and work really hard.
Does It Make Sense to Decrease Your Retirement Savings to Pay Down Your Mortgage?

October 27, 2010

Paying off your mortgage before you retire can be a great idea. Just make sure you're not short-changing yourself to do it.
A Roth IRA Can Enhance Your Retirement Tax Strategy

October 20, 2010

If you're qualified, opening a Roth can be a strategic complement to a traditional IRA for both tax and retirement planning.
Roth IRA Withdrawals: The Exceptions Can Be as Important as the Rules

October 6, 2010

With taxes, nothing is simple—including Roth distributions. Get the facts first so you don't run the risk of paying taxes and penalties on your hard-earned savings.
Considering Taking Social Security Early? Think About What This Might Mean for Your Spouse.

September 15, 2010

Many people don't realize that taking Social Security early reduces not only their own benefit but also spousal and survivor benefits.
Roth IRA vs. 401(k)—Do You Have to Choose?

September 1, 2010

A Roth IRA and a 401(k) are both great ways to start saving for retirement. Here's how to make them work to your advantage.
Sixty-Five and Still Working? Don't Miss Out on Medicare.

August 25, 2010

Enrollment in Medicare is automatic if you've already filed for Social Security, but when you're not receiving Social Security, it's in your hands.
Retirement Saving: Making Up for Lost Time

May 5, 2010

You've put off saving. Do you have to put off retirement? Not necessarily. But you do need to take a hard look at everyday ways to start saving right away.
Is Maxing Out Your 401(k) Enough?

April 21, 2010

A 401(k) is a great way to save for retirement. But don't be complacent. It may not be enough. Crunch the numbers now to see if you need to save more.
Retirement Investing: Dealing with Losses in an IRA

April 14, 2010

In tax-advantaged IRAs, there's no tax benefit for taking a loss on an underwater position. But that's generally the right thing to do, and here's why.
You Can Convert to a Roth--but Should You?

February 24, 2010

High earners can convert a traditional IRA to a Roth starting in 2010. But is it always a good idea?
The Lowdown on 401(k) Loans

January 13, 2010

While there aren't strict rules about how many times you can borrow against your 401(k), doing so can have other far-reaching consequences.
Your Retirement Comes First—Even When "Kids" Need Your Help

December 9, 2009

If helping grown kids is hurting your retirement, don't be afraid to put yourself first. It may actually be the best thing for all of you.
Preparing to Support Yourself—How Much Do You Need?

December 2, 2009

What can you do when retirement benefits don't cover a surviving spouse? Plan ahead.
Are You Saving Enough for Retirement? Only You Can Decide.

November 18, 2009

Are you saving enough for retirement? It's not just about numbers. It's about the kind of life you want to lead.
Maxing Out Your Tax-Deductible IRA

October 21, 2009

IRA deductibility rules are complicated, but worth understanding so you maximize your tax advantage and boost your retirement portfolio.
How to Plan for a Shorter Retirement

September 16, 2009

The typical retirement planning scenario assumes you'll need an income for 30 years. But if your timeframe is shorter, how do you adjust your income projections?
Social Security Benefits: Timing Can Make a Difference

August 5, 2009

How does earned income affect your Social Security benefits? That depends on when you start taking benefits and how much you make.
Retirement Can Last a Very Long Time: Will Your Money Last as Long as You Do?

July 8, 2009

One of your primary retirement planning goals should be to ensure your money last for the duration of your retirement. Here are some ways to understand how long your capital could last.
Nonworking Spouses Can Save for Retirement, Too.

March 26, 2009

Even if your spouse has no earned income, he or she can still contribute to a Spousal IRA, effectively doubling your retirement savings power.
Answering the Question: 'Do I Have Enough Money for Retirement?'

January 15, 2009

How do you know if you're really prepared for a comfortable retirement?

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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