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Income Planning

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High Earners Should Halt Pre-Tax 401(k) And IRA Contributions

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We need to stop thinking about minimums when it comes to retirement plan distributions.

Lack Of Emergency Savings Hurting Employee Retirement Readiness, EBRI Finds

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Employees with debt are contributing less to plans and are more likely to take out 401(k) loans.

Is That $1.8 Million Retirement 'Magic Number' Just Clickbait?

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Financial planners say headlines telling people they need a million or more to retire do more harm than good.

Rates Are Down. Time To Redeploy Clients' Cash?

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What should clients do with their cash now that interest rates have fallen?

T. Rowe Price Offers Target-Date Customization Tool

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The Retirement Plan Manager adapts plans to individuals' information, the company said.

5 Things To Know About Retirement Withdrawals, According To Morningstar

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The firm's Christine Benz expands on the 4% rule with her own take on retirement spending.

Morningstar Offers 'Dynamic Spending' Tweaks To The 4% Rule

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While some years suggest it's better to cut down, the current environment means retirees can again draw 4%.

Clients With No Savings At Age 50--What To Do

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Middle-aged clients who are underprepared for retirement will face challenges. But all is not lost.

Make Social Security The Model To Fix The Minimum Wage

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Just indexing the new pay rate to inflation would be a mistake.

The Good, Bad And Ugly Of Target-Date Funds

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Some advisors refuse to use them. Others see situations where they can add value.

When Retirement Comes, How To Analyze Rollover Options

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Advisors break down the complex considerations when clients with a 401(k) leave the workforce.

Backdoor Twists And Mega Turns

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Despite shifting political winds, Roth IRA conversions currently still offer high-income clients ways to protect retirement money.

Income Investors Need Not Fear The Fed

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Locking in rates now will protect portfolios from any rate drop fallout, advisors say.

Retirees Rally Around RILAs

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Registered index-linked annuities have benefited from Fed moves and demographic trends.

IRS Rule On Inherited IRAs A Letdown, Not A Surprise

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The agency has clarified that account inheritors must take distributions annually over a maximum of 10 years.

Is The U.S. Retirement Crisis Real? Depends On Whom You Ask

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A PGIM survey suggests even $50,000 in savings can make all the difference in a retiree's outlook.

Savers Still Think They Need $1.8M To Retire, Schwab Says

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But their concerns about inflation and market volatility have eased.

Americans Don't Know Much About Social Security, Alllianz Survey Finds

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The knowledge gap represents an opportunity for advisors, the company said.

Fidelity's 401(k) Millionaires Hit A New High As Gen X Steps Up

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IRA contributions for Gen X savers were up 30% from a year ago.

SEC Retreats From 'Swing Pricing' Mandate For Mutual Funds After Stiff Opposition

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Critics said the proposal would have put heavy burdens on investors saving for retirement.

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