You’re Retired With $2 Million. Why Are You Still Afraid to Spend It?
Many retirees with $2 million or more still hesitate to spend after decades of saving. Learn how Social Security, taxes, healthcare, longevity, market risk, and legacy goals can help determine how much you can comfortably spend in retirement.
Your Spouse Dies First. What Happens to Your Retirement Plan?
When one spouse dies, the surviving spouse’s retirement plan can change significantly. Social Security income may decrease, taxes and Medicare premiums can shift, and retirement accounts may need to be retitled or transferred. Planning ahead can make the financial transition easier to manage.
Should You Pay Off Your Mortgage Before You Retire?
Paying off your mortgage before retirement can reduce monthly expenses and provide peace of mind, but it can also reduce liquidity or create tax consequences. Learn the key factors to consider before deciding whether to enter retirement mortgage-free.
I’m Retiring Next Year. What Should I Do With My 401(k)?
If you’re retiring next year, your 401(k) may soon become part of your retirement paycheck. Learn the key factors to consider before deciding whether to leave your money in the plan, roll it into an IRA, or use a combination of both.
The First 3 Years of Retirement: 7 Financial Decisions That Matter More Than You Think
The first three years of retirement can create valuable planning opportunities. Learn how withdrawals, Roth conversions, Social Security, Medicare, RMDs, and investment decisions can work together to shape your long-term retirement plan.
How Can I Reduce Taxes in Retirement?
How can you reduce taxes in retirement? Explore strategies for managing retirement withdrawals, Roth conversions, Social Security taxes, RMDs, capital gains, charitable giving, and Medicare premiums to potentially reduce taxes over your lifetime.
Should I Roll My 401(k) Into an IRA When I Retire?
Should you roll your 401(k) into an IRA when you retire? Learn the key differences between keeping your 401(k) and rolling it over, including taxes, fees, investment options, the Rule of 55, Roth conversions, RMDs, and withdrawal flexibility.
How Do I Retire Before Age 65 and Pay for Health Insurance Until Medicare?
Want to retire before age 65? Health insurance can be one of the biggest obstacles. Explore five ways to bridge the gap to Medicare, including spousal coverage, retiree insurance, COBRA, Marketplace plans, and continued employment.
