Investing in retirement is different from investing for retirement. One obvious reason: Time horizons—investors who are still decades from retirement can invest their retirement savings...
Retirement Planning
All Retirement Planning Articles
How To Do a Backdoor Roth IRA
A so-called “Backdoor Roth” is a technique for retirement savers to get the benefits of a Roth IRA even if their income exceeds limits that...
The New 4% Rule
For decades, retirees who worried about running out of money followed the standard retirement-planning advice—withdraw a maximum of 4% of your investments for retirement the...
Social Security Benefits for Children
Social Security benefits typically serve as a source of income during retirement, but some people are eligible for benefits much earlier—during childhood. Some children can...
What Are the Disadvantages of Rolling Over a 401(k) to an IRA?
When an employee changes or loses a job or retires, he/she can opt to roll the money in his former employer’s 401(k) into an IRA...
How Do I Know If I Have 40 Credits for Social Security?
Social Security credits are accumulated by earning income and paying payroll taxes on that income. But if you fail to accumulate at least 40 Social...
Why You Should Take Your 2025 RMDs Now
Conventional wisdom says seniors should wait until the end of December to take their required minimum distribution (RMD)—that’s the minimum amount that tax law requires most...
Is Social Security Taxable? Seven Things You Should Know
Are you wondering, how much Social Security will I get? It’s a good question, but what really matters is how much you’ll get to keep....
When Should You Apply for Social Security Benefits?
Social Security expert Martha Shedden has spent decades advising people how and when to file for their benefits. Last December, with her own 70th birthday...
Social Security Disability Payment Schedule for 2025
When people mention Social Security payments, they’re typically referring to retirement benefits—but the Social Security Administration (SSA) also operates the Social Security Disability Insurance (SSDI)...
Can You Collect Social Security and Still Work?
Today’s high cost of living is encouraging many retirement-age people to remain in the workforce. But can you collect Social Security and still work full...
The $1,000 a Month Rule for Retirement Savings
One of the biggest challenges in retirement planning is deciding on how much you need to save to last the rest of your life. There...
