Nearly half of 2025 PLANSPONSOR Plan Participant Survey participants reported having less than $100,000 in total retirement ...

Learn the early retirement withdrawal rules that allow you to access retirement funds before age 59½ without penalties, including the Rule of 72(t) and the Rule of 55, and how to use them wisely.

I have always said that asset accumulation is easy but the true difficulty is in asset distribution. There is no single plan that is right for everyone. Perhaps the best-known distribution plan is the ...

Retirees are often surprised to discover that the biggest threat to their nest egg is not market volatility but a sudden spike in taxes once paychecks stop. Required withdrawals, Social Security rules ...

When it comes to retirement planning, most people know they need to save, but few understand how certain retirement investment strategies can impact the amount of income they’ll actually have. In this ...

Take this simple quiz to discover whether the 4% Rule will work for you in retirement.

Saving enough money for retirement is a primary concern when it comes to financial planning for Americans. However, it’s also vital to consider long-term capital gains taxes, or the amount you’ll pay ...

As the former head of the Pooled Plan practice at a major record keeper, I had hundreds of conversations with advisors, consultants, TPA’s, pooled plan providers, fund partners and others looking to ...

Delaying Social Security could leave you with larger monthly checks. Sticking with the stock market could help your portfolio grow. Buying municipal bonds could give you predictable income that ...

There are lots of smart ways to use your RMD. It could fund an emergency fund, for example, or help you pay down debt. You might also reinvest the money, so that it can keep growing. If you're ...

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Lucy Lazarony is an experienced personal finance journalist and writer who got her start in 1998 writing about financial topics. She writes accessible and easy-to-understand articles about credit, ...