Retirement
The Phases of Retirement
As people live longer and healthier lives, retirement income and distribution strategies require a flexible approach that provides for changing needs over time.
Planning the Withdrawal of Your Retirement Assets
The order in which you draw down different types of retirement assets can affect your taxes, portfolio performance, and how long your nest egg lasts. Get suggestions on an efficient withdrawal strategy in retirement.
Choosing Between Traditional and Roth 401(k)s
If taking tax-free distributions from your employer-sponsored retirement plan appeals to you, a Roth 401(k) plan may help you achieve this objective. As its name implies, a Roth 401(k) combines features of a traditional 401(k) with those of a Roth IRA. Like a traditional 401(k), workers contribute through payroll deduction. But, like a Roth IRA, contributions are after tax and participants may make withdrawals free of taxes and penalties after age 59½.
How Much Do You Need to Retire?
Uncertainty over the future of Social Security, longer life expectancy, and inflation all factor into how much you'll need to save for a comfortable retirement.
Transferring Wealth with Multi-Generational IRAs
A stretch IRA is an easy way for Americans to transfer accumulated wealth to younger beneficiaries and simultaneously maintain the account's benefit of tax deferral for an extended period of time. Get an overview of stretch IRA strategies as well as specific considerations for those contemplating a multigenerational IRA.