#retirement-accounts
#retirement-accounts

17 hours ago

Relationships

I retired at 64 with a generous pension and a calendar full of plans - and by month three I was staring at my phone realizing I had nobody to call just to talk, not because I needed something - Silicon Canals

The Hidden Retirement Costs Tax Planning Can Help You Avoid

Tax planning is essential for managing retirement income and lifestyle, despite differing opinions on its importance.

Retirement

I retired at 62 with everything I'd worked for - a paid-off house, healthy savings, and freedom to do whatever I wanted - and spent the first six months feeling like I was disappearing because nobody needed me anymore - Silicon Canals

Retirement

Most Retirees Are Overlooking Vanguard's Best Corporate Bond ETF. It Yields 4.73% and Pays Monthly.

Business

The Hidden Cost of Delaying Portfolio Rebalancing in Retirement

In retirement, failing to rebalance lets portfolio drift compound with withdrawals, increasing sequence-of-returns risk and potentially shrinking retirement income.

fromTheStreet

Retiring in New York? What to know first

New York provides retirees with lifestyle benefits and tax exemptions, making it a viable retirement option despite common perceptions of high costs.

Relationships

17 hours ago

I retired at 64 with a generous pension and a calendar full of plans - and by month three I was staring at my phone realizing I had nobody to call just to talk, not because I needed something - Silicon Canals

Retirement can lead to unexpected loneliness and a realization of the lack of genuine friendships built outside of work.

The Hidden Retirement Costs Tax Planning Can Help You Avoid

Tax planning is essential for managing retirement income and lifestyle, despite differing opinions on its importance.

I retired at 62 with everything I'd worked for - a paid-off house, healthy savings, and freedom to do whatever I wanted - and spent the first six months feeling like I was disappearing because nobody needed me anymore - Silicon Canals

Retirement can lead to feelings of insignificance and loss of purpose after years of being needed.

Most Retirees Are Overlooking Vanguard's Best Corporate Bond ETF. It Yields 4.73% and Pays Monthly.

Retirees seek predictable income with low risk, and options include Social Security, high-yield savings, CDs, and investment-grade bonds like VCIT.

Business

The Hidden Cost of Delaying Portfolio Rebalancing in Retirement

fromTheStreet

Retiring in New York? What to know first

New York provides retirees with lifestyle benefits and tax exemptions, making it a viable retirement option despite common perceptions of high costs.

Do Not Build a Retirement Portfolio in 2026 Without at Least One of These 3 Dividend Kings

Dividend King stocks are essential for portfolios, especially retirement ones, providing stability and potential growth amid market fluctuations.

Law

fromAbove the Law

18 hours ago

Retiring Partners Should Relinquish Prized Offices - Above the Law

Retiring partners often give up prime offices to accommodate rising lawyers, despite potential disputes over office locations and sizes.

Bootstrapping

The $69,000 401(k) Limit Most Business Owners Don't Know They Qualify For

Self-employed individuals can contribute to a Solo 401(k) as both employee and employer, allowing for higher contribution limits than W-2 workers.

SF real estate

fromwww.housingwire.com

Finance of America launches new reverse mortgage line of credit

HomeSafe Second Line of Credit offers a nonrevolving reverse mortgage option for accessing home equity without new monthly payments.

#401k

fromAxios

Intellectual property law

Private equity's next step into 401(k)s

20 hours ago

Retirement

This 401(k) Rollover Move Can Save a High Earner $50,000 in Taxes

5 days ago

Bootstrapping

The 401(k) Trick That Lets Executives Contribute Up to $69,000 a Year

Law

What Corporate Lawyers Know About 401(k)s That Most Investors Don't

Why Retiring Early With a Large 401(k) Balance Is Riskier Than It Looks

Early retirees face significant risks including penalties, market volatility, healthcare costs, and psychological impacts when accessing 401(k) funds.

Intellectual property law

Bootstrapping

The 401(k) Mistake Costing Average Americans $200,000 at Retirement

fromAxios

Private equity's next step into 401(k)s

The final rule emphasizes a rules-based framework for 401(k) investments without endorsing specific asset classes like private equity or crypto.

20 hours ago

This 401(k) Rollover Move Can Save a High Earner $50,000 in Taxes

Choosing between rolling a 401(k) to an IRA or using the NUA strategy can save significant taxes.

Bootstrapping

5 days ago

The 401(k) Trick That Lets Executives Contribute Up to $69,000 a Year

The mega backdoor Roth allows high earners to contribute significantly more to their 401(k) if their plan permits after-tax contributions.

Law

What Corporate Lawyers Know About 401(k)s That Most Investors Don't

Understanding your 401(k) fee disclosure is crucial for managing retirement assets effectively.

Why Retiring Early With a Large 401(k) Balance Is Riskier Than It Looks

Early retirees face significant risks including penalties, market volatility, healthcare costs, and psychological impacts when accessing 401(k) funds.

Bootstrapping

The 401(k) Mistake Costing Average Americans $200,000 at Retirement

Low default contribution rates in 401(k) plans lead to significant retirement savings shortfalls due to employee inertia.

Labor Department Proposal Could Open 401(k)s To Bitcoin And Alternative Assets

The U.S. Department of Labor proposed a rule to expand investment options in 401(k) plans, including alternative assets like crypto.

Ramsey Tells 65-Year-Old Investor With $2.2M Portfolio to Skip the DSCR Loan

I don't teach people to borrow money, Jimmy, because I have found that the fastest way to wealth is to get out of debt and stay out of debt.

Real estate

Business

21 hours ago

These 4 High-Yield ETFs Promise Big Payouts, but Only 1 Looks Truly Safe

Different ETFs offer varying income sources and sustainability, with distinct risks and yields.

#retirement-planning

Retirement

How Top Executives Structure Their 401(k) to Pay Zero Taxes in Retirement

A $2 Million 401(k) in Retirement Can Still Cost You Six Figures Without These Moves

Timing of retirement significantly impacts portfolio outcomes due to sequence of returns risk.

Retirement

What Physicians Retiring in the Next 5 Years Are Doing With Their 401(k)s Right Now

Retirement

How a Business Owner With $1.2 Million in a 401(k) Legally Avoids RMDs

I retired in January 2026 with $780,000 saved and by March I was back applying for part-time work - not because I needed the money but because inflation had made my 'enough' feel like barely surviving and I couldn't watch my future shrink in real time - Silicon Canals

Retiring early can lead to unexpected financial challenges due to inflation, even with substantial savings.

Healthcare

Your Parents Have $0 Saved for Retirement, Here's What to Do Next

Assess parents' finances, locate forgotten retirement accounts, maximize catch-up contributions, delay Social Security where possible, and plan for rising healthcare and Medicare costs.

How Top Executives Structure Their 401(k) to Pay Zero Taxes in Retirement

Managing diverse retirement assets is crucial to avoid tax collisions and achieve zero taxes in specific years.

A $2 Million 401(k) in Retirement Can Still Cost You Six Figures Without These Moves

Timing of retirement significantly impacts portfolio outcomes due to sequence of returns risk.

What Physicians Retiring in the Next 5 Years Are Doing With Their 401(k)s Right Now

A pension significantly limits Roth conversion opportunities and increases tax burdens for retiring physicians.

How a Business Owner With $1.2 Million in a 401(k) Legally Avoids RMDs

Business owners can eliminate required minimum distributions from 401(k) accounts through strategic Roth conversions before age 73.

I retired in January 2026 with $780,000 saved and by March I was back applying for part-time work - not because I needed the money but because inflation had made my 'enough' feel like barely surviving and I couldn't watch my future shrink in real time - Silicon Canals

Retiring early can lead to unexpected financial challenges due to inflation, even with substantial savings.

Healthcare

Your Parents Have $0 Saved for Retirement, Here's What to Do Next

more#retirement-planning

What it takes to retire comfortably in America: Nearly $1.5 million, Northwestern Mutual says | Fortune

Americans believe they need $1.5 million to retire comfortably, a significant increase from previous years, highlighting a growing retirement savings gap.

What Retirement Really Looks Like With $3 Million in Savings

A $3 million retirement portfolio can provide a comfortable annual income of around $156,000, depending on various factors.

Retirement

Over 50 and Starting Late? How to Catch Up on Retirement Savings Starting In 2026

fromFortune

What it takes to retire comfortably in America: Nearly $1.5 million, Northwestern Mutual says | Fortune

Americans believe they need $1.5 million to retire comfortably, a significant increase from previous years, highlighting a growing retirement savings gap.

What Retirement Really Looks Like With $3 Million in Savings

A $3 million retirement portfolio can provide a comfortable annual income of around $156,000, depending on various factors.

Retirement

Over 50 and Starting Late? How to Catch Up on Retirement Savings Starting In 2026

more#retirement-savings

Wes Moss Says Roth Conversion Hype 'Is Not True at All' and Detroit Retiree Dave Proves Why

Roth conversions are not universally beneficial; they depend on comparing current and future tax rates.

47 minutes ago

Retirees Love This Treasury ETF Until They See the 5 Year Price Chart

TLT holds U.S. Treasury bonds with remaining maturities greater than 20 years, collecting fixed semi-annual coupons that are passed through as monthly distributions.

Retirement

#social-security

Retirement

3 Ways To Avoid Paying Taxes On Your Social Security Benefits

21 hours ago

How to Avoid Social Security's Most Hated Trap

Many retirees face taxes on Social Security benefits, which can feel like double taxation due to low income thresholds.

Retirement

64% of Americans are Making a Fundamental Mistake on Social Security

4 days ago

Retirement

Retirees Who Work While on Social Security Face Financial Shock

I Planned To Claim Social Security At 62. Here's Why I Changed my Mind

Delaying Social Security benefits until age 70 can maximize lifetime income and mitigate concerns about the trust fund running dry.

3 Ways To Avoid Paying Taxes On Your Social Security Benefits

Social Security benefits may be taxed based on combined income, with low thresholds that haven't adjusted for inflation.

21 hours ago

How to Avoid Social Security's Most Hated Trap

Many retirees face taxes on Social Security benefits, which can feel like double taxation due to low income thresholds.

64% of Americans are Making a Fundamental Mistake on Social Security

Social Security's trust fund may run dry by 2032, but benefits will still be paid from ongoing revenue, covering about 75% of promised benefits.

4 days ago

Retirees Who Work While on Social Security Face Financial Shock

Supplementing Social Security benefits with part-time work may be necessary due to low average monthly benefits.

I Planned To Claim Social Security At 62. Here's Why I Changed my Mind

Delaying Social Security benefits until age 70 can maximize lifetime income and mitigate concerns about the trust fund running dry.

The A Basic Habit Doubles Retirement Savings, Yet 80% of Americans Skip It

Americans' savings rate dropped to 4.2% in Q3 2025, the lowest in nearly two years, costing households hundreds of thousands in lifetime wealth through lost compound growth.

The 401(k) Move Executives Make Every December to Shield Their Bonus From Taxes

Most employer 401(k) plans allow mid-year changes to the deferral election percentage. Before the bonus pay period, raise the deferral rate high enough to funnel as much of the bonus as possible into the 401(k), up to the annual limit.

Retirement

US news

Simple Strategies to Cut Taxes in Retirement

Use tax-aware strategies—Roth conversions, withdrawal timing, and managing RMDs—to minimize taxes and preserve retirement savings.

fromFast Company

3 big changes in retirement planning you should know about for 2026

Thanks to a provision in the Secure 2.0 retirement legislation, high-income earners (with $150,000 or more in FICA income in the prior year) who are over 50 and investing in 401(k) or other company retirement plans must make catch-up contributions to their plans' Roth option, rather than traditional tax-deferred contributions, starting this year.

US politics

Retirement Planning Mistakes That Only Show Up After You Stop Working

The harder mistakes to catch are the ones that look fine on paper but fall apart the moment you stop working. These are unquestionably the planning failures that will only reveal themselves after the paycheck ends and you're living off the portfolio. Recent data from Nationwide's Retirement Institute shows that 55% of people who retired in the last five years regret how they saved, and only 40% said they were on track with their original budget.

Business

Why Financial Advisors Tell High Earners Over $400K to Stop Maxing Their 401(k)

High earners may benefit from strategies that reduce taxable income in retirement rather than traditional tax-deferment methods.

2 Dividend ETFs That Easily Meet The 4% Safe Withdrawal Rule For Retirees

The 4% rule remains relevant for retirees seeking steady income despite criticisms and emphasizes total return over the method of withdrawal.

fromSlate Magazine

My Husband Has a Chance to Quadruple His Income. But What We Have to Do First Terrifies Me.

Transitioning to a lower income during a career pivot can be challenging but is manageable with careful planning and prioritization.

fromwww.housingwire.com

Proposal would ease path for riskier 401(k) investments

U.S. Secretary of Labor Lori Chavez-DeRemer stated that the proposed rule aims to fulfill President Trump's promise for a new golden age by fostering a retirement system that allows more Americans to retire with dignity.

Retirement

Retirees Are Ditching Stock Picking for This 6% Income Strategy

Investors can achieve high yields through options income ETFs and REITs, but must consider potential downsides like lower long-term performance.

Why Experts Say to Stop Checking Your 401(k) Balance Right Now

Frequent portfolio checking can lead to poor investment decisions due to myopic loss aversion, resulting in significant performance gaps compared to market returns.

4 days ago

Retirees Are Ditching Stock Picking for This 6% Income Strategy

Investors can achieve high yields through options income ETFs and REITs, but must consider potential downsides like lower long-term performance.

Why Experts Say to Stop Checking Your 401(k) Balance Right Now

Frequent portfolio checking can lead to poor investment decisions due to myopic loss aversion, resulting in significant performance gaps compared to market returns.

The RMD Hack That Can Save Retirees Thousands

Make a qualified charitable distribution from an IRA to satisfy RMDs tax-free and avoid higher taxable income, Social Security taxation, and increased Medicare costs.

The Smartest 401(k) Move You Can Make in Your 40s

Roth contributions in your 40s can be financially advantageous before tax rates increase with income.

5 days ago

Can $500,000 Really Pay You $2,000 a Month in Dividends

Investing in high-yield dividend stocks can generate significant monthly cash flow for retirees.

Business

Retirees: 5 Income-Generating ETFs to Boost Your Monthly Cash Flow

Income-generating ETFs with yields above 4% can provide retirees monthly cash flow instead of portfolio withdrawals, though high yields may limit long-term growth.

Cruze Tells 58-Year-Old Nurse With $230K Saved: Buy the Condo, Fund Retirement, Ignore the Inheritance

Homeownership can stabilize housing costs and reduce financial strain during retirement.

A $2,000 Monthly Pension Makes Your $500,000 Portfolio Work Twice as Hard. Here Is the Math.

Having a pension allows for more aggressive investment strategies in retirement, reducing reliance on portfolio income.

3 weeks ago

If You Have $500,000 Saved at 60, Here's The Sort of Monthly Income You Can Count On

At age 60 with $500,000 saved, retirement viability depends primarily on Social Security claiming age, which creates up to $1,100 monthly income differences, rather than investment selection.

3 weeks ago

How to Build a Retirement Paycheck That Grows Every Year

Dividend growth investing prioritizes annual payout increases over high current yields to combat inflation and maintain purchasing power throughout retirement.

4 weeks ago

Why the First 5 Years of Retirement Are the Most Dangerous for Your Portfolio

A market downtown in the first few years of retirement, combined with regular withdrawals, can permanently damage a portfolio's ability to sustain income over time. The same downturn occurring 10 or 15 years later, when withdrawals have already been funded by earlier growth, does far less harm.

Retirement

4 weeks ago

I'm Retiring Today-These Are the 3 ETFs I'm Buying Right Now

Three recommended ETFs for retirement portfolios are JEPQ, offering 11.38% yield through covered calls; SCHD, providing dividend growth; and VTI, delivering broad market diversification.

Whether Your Social Security Be Taxed in Retirement Depends on 3 Numbers

Non-Social Security income can make up to 85% of Social Security benefits taxable via provisional income thresholds.