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Retirement Planning Services

A collection of news and information related to Retirement Planning Services published by this site and its partners.

Top Retirement Planning Services Articles

Displaying items 23-33
  • The Case for nonretirement savings

    Reader Dale wrote in about an interesting tax situation that can arise during retirement. While he was working, he dutifully saved as much as he could in his 401(k), thinking that he would benefit from being in a lower tax bracket when he retired. When he...
  • Retirement planners often need a Negative Nelly on their team

    I woke up last Saturday morning to the following "Retire Smart" reader email: "Why are you a Negative Nelly? Your columns seem to advocate that everyone never be able to retire and that everyone be on the 'carry-out' plan ... i.e. instead of being able...
  • What's your retirement number?

    A former client once argued with me about his "retirement number." He couldn't believe that he needed $1 million in savings before he could retire. "That amount just seems like way more money than is necessary!" But after walking through the variables and...
  • Good investing starts with good information sources

    Readers ask me all the time for reliable sources of information on personal financial topics. So many books and periodicals available that it would be impossible for anyone to read everything. It can take a lot of time just to figure out what is worth...
  • Working Americans face grim prospects for retirement -- and need to plan accordingly

    It's hard to look at the retirement savings of average working Americans and not be pessimistic about the future. Unfortunately, it will be difficult for employees who are many years from retirement to live as well in their old age as members of my...
  • 70 is not the new 65

    To attain your retirement goals, there are three basic strategies: (1) save money during your working years, (2) plan to spend less during retirement or (3) work longer. It turns out that option number three helps but may not be the panacea you're looking...
  • How retirement savers can benefit from new 401(k) fee disclosures

    A brave new world opens up to workplace retirement savers next year. Participants in most workplace defined contribution plans will be receiving new quarterly reports that contain clear disclosure of investment fees; in most cases, the new reports will...
  • Alphabet soup of financial designations

    What's better: a CFP or a CPA-PFS? What's the difference between a fee-based financial adviser and a fee-only one? Being a consumer of financial services these days can be maddening. One reader asked, "Can you give me a rundown about what these...
  • Master limited partnerships can deliver higher returns with moderate risk

    A common concern these days, to judge by reader correspondence, is how to invest for higher income without taking on much more risk. It is impossible to obtain high returns without any risk. However, if you depend on investment income, and need more...
  • Planning for retirement in the age of recession

    Some of the assumptions we've made for generations about the best way to save and plan for retirement may no longer be true. The decline in housing and stock prices beginning with the 2008 crash, and a decline in 401(k) matches from employers, has...
  • National Save for Retirement Week

    Happy National Save for Retirement Week! Retirement has become such a hot issue that the Senate passed a resolution "with the goal of increasing the retirement savings and personal financial literacy of all people in the United States." To help further...