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New Rules for Social Security Spousal Benefits

I’m receiving about $1,200 a month in Social Security spousal benefits under a “file and suspend” strategy based on my husband’s employment record. I see Congress is about to eliminate the right to do this. Will they make me Source
Posted On 07 Nov 2015

New Annuity Product Provides an Income Stream for a Long Life

More than half of retirees rank outliving their savings as their top worry in retirement, according to a recent survey. But will this fear motivate individuals in their mid sixties to plunk down cash for a hefty guaranteed income Source
Posted On 07 Nov 2015

How Social Security Cuts Your Benefits If Youre Still Working

If I sign up for Social Security at age 62 but am still working, will that affect my benefits? See Also Budget Deal Nixes Popular Spousal Benefit StrategyYes. If you sign up for benefits before your full retirement age Source
Posted On 07 Nov 2015

Why a Health Savings Account Might Be Your Best Retirement Account

It’s autumn, which means that football season is in full swing, the leaves are turning colors, and employees throughout the country are taking part in open enrollment. Many are decided, among other choices, whether to select a health savings account (HSA) or a flexible spending...
Posted On 07 Nov 2015

How Your Ego Is Sabotaging Your Retirement

By Gina Horkey As diligent as you have been about saving for retirement, your ego might have been quietly working against you the whole time. Even the best-laid plans fail, and your retirement plan is no exception. Here are six ways your ego is rearing its ugly head and how you...
Posted On 07 Nov 2015

Feds Chasing Small Savers With New Plan

Backers of the robo advisor model are catering to younger, middle-income and self-directed investors who are left unserved by the RIAs sector. So is the federal government. On Tuesday, Treasury Secretary Jacob Lew announced that the administration’s “myRA”...
Posted On 07 Nov 2015

8 Steps to Take When Youre 20 Years From Retirement

Even though retirement is still 20 or more years away for workers in their 40s, it’s a critical time in planning for their future needs. For most people, the 40s mark the beginning of their prime earning years. At the same time, they may face mounting expenses at home. Paying for...
Posted On 07 Nov 2015

7 Hidden Tax Breaks for Retirees

By Caroline Banton Managing your taxes in retirement can be quite an undertaking. And when it comes to your taxes, there are many tax write-offs you should consider. Make sure you understand all of the deductibles, write-offs and tax breaks for retirees that might apply to you....
Posted On 07 Nov 2015

Small-Business Owners: Last Chance to Set Up Solo 401(k)

Financial matters naturally come into focus as the end of the year approaches. If you’re a small-business owner or are self-employed, year-end is the time to plan for taxes. It’s also a good time to think about your retirement savings plan. You can achieve both of these goals by...
Posted On 07 Nov 2015

Maximize Your Employee Benefits

Being your own boss might seem like a sweet deal, but one of the advantages of working for a company is the employee benefits package you’ll usually get. Typical benefits include a  retirement plan,  life and disability coverage, and health, vision and dental insurance. Full-time...
Posted On 07 Nov 2015