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The answer: $1,000 more than you could in 2021 A 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your [...]
How Long Do You Have to Keep Tax Records?
May 16, 2022For many financial documents, just 3 years — for others, practically forever You may be starting at a heap of paperwork when you finish filing your[...]
You'll get better savings rates but higher borrowing costs this year The Federal Reserve is raising borrowing costs to cool the hottest inflation [...]
There are probably thousands of articles published every day on how and why to eat well and exercise. And yes, these are critical endeavors for [...]
Biggest Social Security Changes for 2022
April 21, 2022Benefits are going up, but so are the Medicare premiums deducted from monthly checks Social Security beneficiaries will have a lot to cheer [...]
Making a retirement plan requires more knowledge than you might think. You'll need to understand how inflation affects your investment account; how [...]
Fixed index annuities: potential plus protection
April 6, 2022Fixed index annuities can help you accumulate money for retirement and provide guaranteed income after you retire. A fixed index annuity may be a good[...]
Facts About Life Insurance: Must-Know Statistics in 2022
March 31, 2022Purchasing life insurance is a big deal. If you want to be sure your family is covered if something happens to you, choosing the right policy is [...]
It hasn’t been an easy couple of months for savers. At the height of the pandemic in April 2020, Americans’ personal savings rate – the [...]
What Every Retirement Saver Needs to Know About 2022
March 18, 2022Changes in contribution limits, taxes, Social Security benefits, Medicare premiums and more We all get sentimental from time to time, but unless you [...]
2022: The Year Consumers Discover Annuities
March 10, 2022What You Need to Know The government is confusing. Stock market gains are high, for now. The Secure Act is turning employer-sponsored [...]
How to Retire Like a Millionaire with $500,000
March 2, 2022As volatility creeps back into the marketplace the need for the guarantees that only annuities provide is only going to increase. Retire with [...]
Social Security retirement age stops changing in 2022: What to know
February 25, 2022New full retirement age is 67 for anyone born after 1960 There is good and bad news for older Americans: The Social Security full retirement age [...]
22 Uses for Annuities in 2022
February 21, 2022As we head toward 2022 and see more Americans reaching their mid- to late 60s, it is a great time to revisit how annuity products can be used to meet [...]
Expenses You Can Eliminate in Retirement
February 10, 2022Eliminating these expenses means substantial savings in retirement. Lower your expenses. Many retirees are tempted to spend more money [...]
New Year, New 401(k) Limit Increases. What You Need To Know About Your Retirement Savings In 2022
February 4, 2022Starting the new year off with a strong, strategic financial plan to kickstart your financial goals for the next 12 months can have a lasting impact [...]
Social Security Survivors Benefits
January 28, 2022Social Security survivors benefits are paid to widows, widowers, and dependents of eligible workers. This benefit is particularly important for young [...]
2022 Is The Year Consumers Discover Value Of Annuities
January 21, 2022Harry N. Stout, author and podcast host at the FinancialVerse says that 2022 will be the year that consumers proactively reach out for information[...]
After 2 tumultuous years, here are 4 financial tips to learn (or re-learn) for 2022
January 12, 2022The end of the year provides a good opportunity for reflection. The past 12 months brought plenty of opportunities to make financial strides — and [...]
An Overview of Annuities
January 7, 2022Understanding the various types of annuities and how they work If you are considering buying an annuity to provide steady income during retirement, [...]
As new Covid uncertainties loom, advisors say it’s ‘super important’ to revisit your financial plan for 2022
December 31, 2021KEY POINTS The Covid-19 pandemic has prompted people to rethink both big and small life goals. For 2022, it’s “super important” [...]
Why Is Inflation Rising Right Now?
December 22, 2021Inflation is here. The most recent Consumer Price Index (CPI) inflation report showed that prices rose across the board in November. By a lot. [...]
Should COVID-19 Change Your Retirement Strategy?
December 16, 2021What to do now, as the pandemic surges yet again in the U.S. COVID-19 is still raging throughout the U.S., and in much of the world it has never [...]
Top Retirement Savings Tips for 55-to-64-Year-Olds
December 9, 2021There's still time to give your savings a good boost before you retire If you're between 55 and 64 years old, you still have time to boost your [...]
Budgeting for the 4 Financial Phases of Retirement
December 2, 2021Different phases call for different strategies If you’re physically healthy and financially prepared, your retirement could last for decades. [...]
Retirement: The Best Timing Strategies for Couples
November 28, 2021Staggering your retirement date from your spouse may benefit you both Many working couples dream of the day when they can retire and sail off into [...]
Your 2022 Tax Brackets vs. 2021 Tax Brackets
November 18, 2021The income ranges, adjusted annually for inflation, determine which tax rates apply to you You may be making plans for filing your 2021 [...]
Planning for Retirement: Four Factors to Consider
November 11, 2021Planning ahead is one of the best ways to prepare for a comfortable retirement. From keeping track of your savings to adopting strategies for [...]
5 Mistakes Couples Make When Planning for Retirement
November 4, 2021Steps you can take to avoid disagreements over spending and much more You've looked forward to retirement for decades — the chance to slow down the[...]
Financial Independence, Retire Early (FIRE)
October 28, 2021What Is Financial Independence, Retire Early (FIRE)? Financial Independence, Retire Early (FIRE) is a movement of people devoted to a program of [...]
In One Year, Pandemic Forced Millions of Workers to Retire Early
October 20, 2021Working at 50+ From flight attendants to grocery store managers, older adults made the tough decision to end careers Retirement is supposed to be a [...]
Financial Health
October 13, 2021What Is Financial Health? Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to [...]
Why Financial Literacy Is So Important
October 8, 2021Few are prepared as financial decision-making grows more complex Many consumers have little understanding of finances, how credit works, and the [...]
Should COVID-19 Change Your Retirement Strategy?
October 3, 2021What to do now, as the pandemic surges yet again in the U.S. COVID-19 is once again raging throughout the U.S., and in much of the world it has never[...]
One-third of Americans plan to retire later due to Covid-19, study finds
September 23, 2021KEY POINTS The Covid-19 pandemic has hurt some Americans’ confidence that they can meet their retirement goal date on time. Among [...]
Here’s why our brains make it so hard to start saving for retirement
September 17, 2021Studying behavioral economics has taught me that our brains don’t make it easier for us to save. Psychology is often just as important in [...]
How much is capital gains tax? It depends on how long you held the asset and your income level
September 12, 2021If you earn money from the sale of a capital asset — your home, part of a business, stocks, or bonds, for example — that profit may be subject to [...]
What Will Long-Term Care Cost You?
September 4, 2021Most people over 65 will eventually need some form of paid care. Here are some ways to plan ahead. Many people are frightened of long-term care [...]
4 ways to save enough now to retire in 10 years
August 28, 2021If you want to retire in the next 10 years, lower your spending and increase your income. Paying off debt can give you more money to save and [...]
27 Tips for Saving Money After Retirement
August 21, 2021More people are retiring with less savings than they need to be comfortable. Much less. According to Northwestern Mutual, 21% of Americans have no [...]
When It's Time to Stop Saving for Retirement
August 16, 2021Going from saver to spender is mostly a matter of psychology It's Time to Wind Down You've done all the right things—financially speaking, at [...]
No matter what stage of life you’re in, one thing will always remain the same: You’re never too young — or too old — to save money. Using [...]
4 ways to save enough now to retire in 10 years
July 23, 2021If you want to retire in 10 years, it might be possible. But it'll require some work. Getting your finances in order now can help you meet your [...]
What Is an Annuity?
July 9, 2021Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed [...]
HOME SWEET HOME – AMERICANS WANT TO AGE IN PLACE
June 30, 2021IDENTIFY RETIREMENT STRATEGIES TO PUT IN PLACE NOW—LIKE ANNUITIES— TO LIVE RETIREMENT ON YOUR TERMS. As the pandemic [...]
HOW AN ANNUITY WORKS
June 28, 2021YOU MAY NOT BE FAMILIAR with annuities, but they have a rich history dating back to Ancient Rome. In fact, millions of Americans currently use [...]
Trend: More Americans now want to retire early
June 16, 2021Workers want to retire at 55, but are they positioned to successfully do so? The category of “pre-retirees” is being redefined as more than [...]
Like previous pandemics, COVID-19 has touched off profound changes for our societies, economies, workforces, and overall life models, not least of [...]
Retirement planning is a multistep process that evolves over time. To have a comfortable, secure—and fun—retirement, you need to build the [...]
How to Retire in 2021
May 20, 2021How to Retire in 2021 When you are ready to retire, there are certain basic things you should do before you leave the comfort and security of [...]
What Every Retirement Saver Needs to Know About 2021
May 13, 2021New rules for savers, beneficiaries and taxpayers Most people will miss 2020 about as much as they miss mosquito season. For many retirees and [...]
Financial lessons learned from COVID-19
May 7, 2021The pandemic may have hit your wallet hard. Here are some lessons we can learn from this unprecedented time. he reverberations of the COVID-19 [...]
How the pandemic has shaken up retirement
April 28, 2021Pandemic-related job losses forced many older Americans out of the workplace in the past year, perhaps permanently. But the COVID-19 crisis also seems[...]
Top 10 Retirement Tips For 2021
April 21, 2021For many Americans, retirement may look different in 2021 than it has in years past. The severe economic impact of the Covid-19 pandemic could push [...]
The How-Tos And Benefits Of A Minor Participating In 401(k)s
April 14, 2021The 401(k) has become the go-to retirement plan for many Americans and continues to gain traction. The flexibility, tax savings and scale of 401(k) [...]
Covid-19 Is Most Certainly A Retirement Story
April 9, 2021The Covid-19 recession, like all recessions, threatens the wealth and retirement security of millions of workers. Job loss prompts people to stop [...]
You now have an extra month to lower your tax bill with contributions to your individual retirement account (IRA). Just like last year, the IRS [...]
A year has come and gone since the beginning of the Covid-19 pandemic in the United States in March 2020, upending all of our lives. Hundreds of [...]
Benefits of Fixed Index Annuities
March 18, 2021See how the benefits of a fixed index annuity work together to keep retirement income planning on track. We look at six top fixed index annuity [...]
16 Retirement Numbers You Need to Know for a Secure Future
March 10, 2021Figuring out if you can retire securely can sometimes feel like the most complicated math problem ever. Just figuring out which retirement number to[...]
Times Have Changed: How To Save For Retirement Today
March 3, 2021his story is part of a series in support of America Saves Week 2021. Since 2007, this initiative has provided a call to action for U.S. consumers to [...]
6 Social Security Changes for 2021
February 25, 2021These changes in Social Security taxes and benefits take effect Jan. 1 Every October, the Social Security Administration (SSA) announces its annual [...]
How COVID-19 is Affecting 2021 Retirement Planning
February 17, 2021CORONAVIRUS Reactions to COVID-19 and the impact on consumer confidence is prompting many consumers to reassess their retirement and financial plans.[...]
Retirement Services
February 11, 2021FERS INFORMATION Eligibility is determined by your age and number of years of creditable service. In some cases, you must have reached [...]
How to Minimize Social Security Taxes
February 5, 2021Your Social Security benefit may be taxable. Try these strategies to reduce your tax bill in retirement. MOST WORKERS PAY INTO the Social [...]
Why you should look for other solutions first More than 4 of 10 jobs lost during the pandemic may never come back, the Becker Friedman Institute for [...]
Equity Growth and Asset Protection
January 21, 2021The author offers an introduction to how annuities can help. For investors, the last twenty years have been something of a roller coaster. The [...]
Top 10 Retirement Tips For 2021
January 14, 2021For many Americans, retirement may look different in 2021 than it has in years past. The severe economic impact of the Covid-19 pandemic could push [...]
How retirement planning needs to change in the new year
January 7, 2021Considering annuities, insurance, new investments and delaying Social Security? With all the changes 2020 brought and a new year around the corner, [...]
5 Things You Need to Know About Finances When Turning 65
December 31, 2020It's a pivotal age for retirement planning — even if you aren't ready to retire yet Gone are the days when most people retired at 65, received a [...]
2020 Year End Review of Recent Retirement Plan Changes
December 28, 2020Over the last year, both before and after the current pandemic, there have been multiple law changes that have impacted retirement plans and [...]
The special retirement plan rules of 2020: What you need to know as year comes to end
December 18, 2020The COVID-19 pandemic has upended just about everything this year, including retirement planning. Enough new rules governing Individual Retirement [...]
Marshmallows and Social Security
December 11, 2020Should US retirees delay claiming Social Security until age 70, even if they have to spend savings until then? The Center for Retirement Research at [...]
Benefits of Fixed Indexed Annuities
December 4, 2020Fixed indexed annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime [...]
9 Signs You Are Not Financially OK to Retire
November 25, 2020And one other reason to keep working Being ready to retire means more than being ready to stop waking up at 6:00 a.m. to put in long hours at a job [...]
Durable power of attorney is one of the most important and useful documents you will ever sign. It is also one of the most dangerous if it falls into [...]
Americans Feel Anxious About Their Retirement Savings Amid Pandemic
November 4, 2020Millions of Americans expect their efforts to save for retirement to be derailed, perhaps permanently, by the coronavirus pandemic. That’s the main [...]
5 retirement planning mistakes to avoid during COVID-19
October 28, 2020Don’t let the pandemic derail your plans for retirement These days, older workers and retirees are understandably concerned that their retirement [...]
Section 2202 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, provides for special distribution [...]
Despite uncertainty driven by COVID-19, Americans can look to the long term.
September 17, 2020As the Coronavirus has spread in communities around the country, Americans are becoming increasingly concerned about the impact of the virus on jobs, [...]
COVID-19 and retirement: Impact and policy responses
September 11, 2020COVID-19 has shaken America and the world, causing widespread social and economic upheaval. The most obvious and distressing cost is the tens of [...]
Coronavirus is creating retirement insecurity. These 10 steps can defuse the timebomb of an ageing population
September 3, 2020To redesign a retirement that builds the necessary financial resilience for longer lives, the World Economic Forum and Mercer have created a [...]
Lock It In
August 27, 2020Using Annuities to Cover Basic Living Expenses for Life The names and numbers may vary but the situation is all too common. Approaching retirement at[...]
Given the current economic scenario in the backdrop of the ongoing public health crises globally, investing your hard-earned money in a suitable [...]
Time Claims to Maximize Social Security Benefits
August 13, 2020Know your full retirement age, coordinate the timing of benefit claims with your spouse, and weigh the advantages of delaying your Social Security [...]
Older Adults Can Jumpstart the Covid-19 Economic Recovery
August 7, 2020Even in light of an all-consuming pandemic, there are some mega-trends that continue their powerful and profound impact on global society. One such [...]
How To Maintain Financial Health During COVID-19
July 30, 2020With COVID-19 making headlines around the world, it’s normal to feel uncertain about many aspects of life right now, including your [...]
KEY POINTS The economic downturn prompted by the coronavirus comes at a particularly bad time for older workers. New research takes a [...]
They face particular challenges brought on by Covid-19 — issues, experts say, that could lead to retirement earlier than planned. Dorian Mintzer [...]
Recovery is starting quickly as states reopen, but the journey gets bumpier from here, Kelly and fellow strategist David Lebovitz warn. There is [...]
Now that we’ve entered a bear market for the first time since 2009, many pre-retirees are likely asking questions about the impact on their [...]
My Retirement Plan Is You
June 25, 2020Americans without retirement savings are increasingly moving in with their millennial children. Sian-Pierre Regis, 35, is used to living with [...]
The economic gut punch of the COVID-19 pandemic is being felt by retirees. Even those who have savings and other resources now fear that the financial[...]
Right now, spending habits are changing, for better or worse. With unemployment at an all-time high and many people working from home, your budget [...]
The Washington Post spoke to six Americans who have come to the end of their work lives with no financial cushion, no nest egg. The coronavirus [...]
KEY POINTS About half of Americans retired earlier than they expected, according to a recent survey. Less control over your retirement [...]
As a licensed fiduciary for over 15 years and spending most of that time with retirees, I’ve heard the same desires and concerns repeatedly: They [...]
A Devastating Jobs Report For Older Workers
May 15, 2020“Jobs Friday” is usually a nerdy day for financial types and economists only. But everyone was watching the most recent jobs report. I had a big [...]
After 15 years of research, a psychologist says this ‘simple trick’ can help millennials retire faster
May 7, 2020By the time most of us reach retirement age, we feel as if we don’t have enough money to live the life we envisioned. Our feelings aren’t [...]
3 Ways COVID-19 May Hurt Your Retirement
April 30, 2020Here's how the ongoing crisis could wreck your long-term plans -- and what you can do to prevent that from happening. COVID-19 has turned the U.S. [...]
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