Solo 401(k) vs. SEP IRA: Which Retirement Plan Wins for Freelancers
Solo 401(k)s let freelancers earning $50K–$150K contribute nearly triple what a SEP IRA allows. Here's how to pick the right retirement plan for your income level.
Rebalancing Your Portfolio to Meet Your Retirement Income Needs
Investing for retirement involves having sufficient cash invested and also choosing the right investments so you generate income and so your principal balance continues to grow. The right...
Stockton CA Bankruptcy Attempts To Save Pensions
Those hoping to see a challenge to the mighty CALPERS (California’s state pension behemoth) may have to wait. The proposals coming out of Stockton, CA, give haircuts to its creditors...
Starting Social Security Early
You pay into social security your whole career and you begin receiving benefits from this program when you retire. However, not everyone retires at the same time. The amount...
Consolidate Your Orphaned 401Ks and Save Money
If you’ve contributed money to your 401K at your job, you’ve made the smart and financially responsible choice. However, when you start a new job, you will get a new...
Essential Apps for Estimating Your Retirement Living Expenses
When you are planning for retirement, it is important to know how much you can expect to spend during your golden years. You need to ensure that your nest egg,...
Five Facts About Required Minimum Distributions for IRAs
Minimum required distributions are mandated for certain types of tax-deferred or tax-advantaged retirement accounts. If you are retired or you are getting older, it is important to understand the...
Borrowing From (and Repaying) Your IRA
An IRA is intended to help you save for retirement and you are able to make tax-free contributions to an IRA with the idea that you will not begin taking...
There Is No Longer a Typical American Family
Part of the American Dream is to be married and have 2.5 children. The husband has a good job, the wife stays home and cares for the children and...
Catch Up IRA Contributions
Investing for retirement is a very important goal for every worker, but unfortunately many people have a hard time saving as much money as they should. The pressures of buying...
Don’t Forget This Mess: Municipal Pension Funding Falls Again
As if investors don’t already have enough to worry about, a new report has some grisly numbers. With the stock market hitting highs and state and city taxes going higher,...
See More
Most Recent
The 2026 Retirement Savings Gap: What Workers in Texas and Florida Are Missing
Median Americans have only $955 saved but need $1.46 million for retirement. Texas and Florida workers face steeper odds without state retirement programs.
Read More
How to Choose Between a Roth IRA and a Traditional IRA in 2026
In 2026, choose a Roth IRA if you expect higher taxes in retirement or want tax-free growth. Traditional IRAs offer upfront deductions but taxable withdrawals.
Read More
Retirement Withdrawal Strategies for High-Income Earners in New York and New Jersey
High-income retirees in New York and New Jersey can save up to $100,000 in taxes with smart withdrawal strategies. Learn how to reduce surcharges and maximize savings.
Read More
How a Teacher With a Pension Built a Second Retirement Income Stream
Teachers' pensions cover only 50–70% of pre-retirement income. Here's how to build supplemental retirement income through 403(b)s, side work, and smart account layering.
Read More
5 Hidden Retirement Mistakes That Cost California Workers 10% More in Taxes
A $120,000 pension in California costs $7,200 more in taxes than in Wyoming. Avoid these 5 retirement tax mistakes to save money.
Read More
Retirement Withdrawal Mistakes That Could Cost You Thousands in Taxes
Wrong withdrawal order, missed RMDs, and timing missteps trigger thousands in taxes and Medicare surcharges. Strategic sequencing can save tens of thousands over retirement.
Read More