retire
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10 Low-Risk Income Streams for a Secure Retirement
When you retire, you will need to generate enough income to maintain your lifestyle without exposing your assets to too much risk. There are a few ways retirees earn income like 401(k) or 403(b) ret
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ADP/ACP Testing: Ensuring Fair 401(k) Plan Contributions
What Are the Actual Deferral Percentage (ADP) & Actual Contribution Percentage (ACP) Tests? The Actual Deferral Percentage (ADP) and Actual Contribution Percentage (ACP) tests are two tests
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U.S. Retirement Ranking: A 2020 Global Overview
The U.S. ranked as the 16th best country to retire in for 2020, right in the middle of the pack when it comes to retiree conditions around the world. In 2020, the world was confronted by the coro
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Retirement Plan Tax Preparation Checklist: Maximize Tax Savings
Qualified retirement plans and individual retirement accounts (IRAs) give you the opportunity to save for retirement on a tax-advantaged basis. Earnings on contributions grow tax-deferred—or tax-fre
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RESA: Understanding Potential Changes to Workplace Retirement Plans
In 2018, we saw significant legislative efforts within the retirement planning space. In all, seven bills were introduced, including one by the Senate known as the Retirement Enhancement and Sa
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Achieving Interest-Only Retirement: A Realistic Guide
Is an Interest-Only Retirement Possible? As retirement options go, what is often presented as ideal is interest-only income. In theory, it seems simple. You invest your savings in interest-bear
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Retirement Planning: Maintaining Financial Security After You Retire
Getting your target savings number right is an important part of the retirement planning process, but it’s just one thing to consider. Making sure you’re able to achieve and maintain your goals afte
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2021 Retirement Account Contribution Limits: What You Need to Know
The Internal Revenue Service (IRS) has announced that contribution limits for 401(k)s, IRAs, 403(b) accounts, most 457 plans, the government Thrift Savings Plans, and other qualified retirement acco
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Retirement Travel Planning: Budgeting & Lifestyle Visions
One of the more enjoyable aspects of retirement planning is envisioning the future lifestyle you want to enjoy. For many retirees, travel is a big part of that picture. According to the 19th An
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Avoid Retirement Mistakes: 11 Common Pitfalls & Smart Solutions
To avoid the worst retirement mistakes, you have to be realistic about your future plans and think ahead. Unfortunately, its all too easy to make the wrong financial moves when preparing for retirem
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Retirement Healthcare Costs: Planning for Medical Expenses
Health care can be one of the biggest expenses a person faces in retirement. A 65-year-old couple who retired in 2020 can expect to spend $295,000 in health care and medical expenses throughout reti
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Building a Secure Retirement Portfolio: Strategies for Growth & Preservation
The first rule of retirement income planning is: Never run out of money. The second rule is: Never forget the first rule. It sounds pretty straightforward. Where it gets complicated is negotiatin
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Safe Withdrawal Rate (SWR): A Retirement Income Strategy
What Is the Safe Withdrawal Rate (SWR) Method? The safe withdrawal rate (SWR) method is one way that retirees can determine how much money they can withdraw from their accounts each year withou
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SIMPLE IRA: A Comprehensive Guide for Small Employers
What Is a SIMPLE Plan? A Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) is a type of tax-deferred retirement account that may be established by employers, including self
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Financial Independence & Early Retirement (FIRE): A Comprehensive Guide
What Is Financial Independence, Retire Early (FIRE)? Financial Independence, Retire Early (FIRE) is a movement of people devoted to a program of extreme savings and investment that aims to allo
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Understanding Distribution-in-Kind: Definition & Examples
What Is a Distribution-in-Kind? A distribution-in-kind, also referred to as a distribution-in-specie, is a payment made in the form of securities or other property rather than in cash. A distri
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Retirement Planning for Dual Income, No Kids (DINK) Couples
Retirement advice tends to focus on families—how to balance the costs of raising kids and putting them through college, while still managing to save enough for your retirement. Of course, not eve
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Understanding the Modern Retirement Income Model: Beyond the Three-Legged Stool
The “three-legged stool” is an old phrase that many financial planners once used to describe the three most common sources of retirement income: Social Security, employee pensions, and personal savi
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SEPP: Penalty-Free IRA Withdrawals Before 59 1/2
What Is Substantially Equal Periodic Payment (SEPP)? Substantially Equal Periodic Payment, or SEPP, is a method of distributing funds from an IRA or other qualified retirement plans prior
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Retirement Living: Frugal Strategies for Comfortable Spending
The key to living frugally, yet comfortably, in retirement is knowing the difference between frugal and cheap. Paying less for inferior quality is cheap. Paying less for similar or superior qua
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- The 4% Rule: Retirement Income & Sustainable Withdrawals
- Fidelity $100 Sign-Up Bonus: Invest During Market Volatility | [Year]
- Navigating Your 401(k) After Job Change: 8 Key Considerations
- Sequence Risk Explained: Protecting Your Retirement Savings
- Understanding Retirement Account Taxes: 401(k)s & IRAs
- Top 10 States Where Social Security Benefits Stretch Farthest
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Declutter & Profit: 3 Ways Spring Cleaning Can Boost Your FinancesTurn your trash into cash with these...
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Crafting Investment Papers: A Comprehensive GuideUse a Securities and Exchange Commission Form 10-K filing as a template for your investment paper. Investment papers are written for a variety of purposes, and should be comprehensive while d...
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Understanding the Risk-Free Rate of Return: A Comprehensive GuideIn the United States the risk-free rate of return most often refers to the interest rate that is paid on U.S. government securities. The reason for this is that it is assumed that the U.S. government ...
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Financial Well-being of Women: Gen X & Older Lag Behind in 10-Year GainsA new Credit Karma survey shows that despite making some financial progress, only half of Gen X and older women feel they’re better off today than they were a decade ago. By compar...