Saving for Retirement

Credit-Score Roulette

Kimberly Lankford weighs the pros and cons of closing dormant credit-card accounts and taking a refund-anticipation loan.

Not Quite Ready to Retire

Walter Gadkowski, an anesthesiologist, left his full-time job and now takes temporary physician assignments several months each year.

How to Save Big

Looking for ways to keep more cash? Here are more than 100.

Should You Convert to a Roth IRA?

Ask yourself these five questions to determine whether you should move your money from a traditional IRA to a Roth.

5 Smart Uses for Your Tax Refund

Use the influx of cash to improve your financial situation.

Impact of Roth Conversions on College Aid

Converting an IRA to a Roth could affect the amount of funding your child receives for school.

How to Finance a Roth Conversion

Making the switch to a Roth makes sense for some, and there are plenty of ways to pay the tax bill.

Tax Help You Can Trust

Kimberly Lankford helps you find a qualified tax preparer and answers your questions on Roth IRAs, 401(k) rollovers and more.

Save Money on Practically Everything, 2010

Save thousands with our easy tips to trim expenses on food, utilities, travel, entertainment, investing and more.

Deductible Versus Nondeductible IRA Contributions

The type of contribution you make affects your tax bill when you withdraw the money or convert the account to a Roth.

Fund an IRA, Cut Your Taxes

There’s still time to make a 2009 IRA contribution and lower your tax bill.

Roth Contribution Redo

Here's what you can do if you've discovered your income was too high to contribute to a Roth after you already put money in your account.

The Gift of a Roth

A parent asks Kimberly Lankford to explain the rules of funding an account for a child and how the money should be invested.

A Mulligan for Roth IRA Conversions

Think you made a mistake? Roth IRA conversions come with an escape hatch.

401(k) Plans: Not Dead Yet

These plans may need some improvement, but they're not ready for the scrapheap.

Retire When You Want

Our five-step plan will get you there.

Retirement iPlan

Use these tips and tools to create your personal retirement plan.

Yes, You Can Still Retire

Get free financial advice during Kiplinger's Jump-Start Your Retirement Plan Days.

Best Ways to Invest After Maxing Out Retirement Accounts

These committed savers ask how best to invest after they've fully funded their tax-deferred accounts.

Get Free Financial Advice Friday

Financial planners will be standing by to take your calls on Jump-Start Your Retirement Plan Days.

FAQs on the New Roth Conversion Rules

Here's what you need to know about switching a traditional IRA to Roth now that the income limit has disappeared.

Ways to Cut Spending So You Can Save More

Follow these steps to add more to your retirement account each month.

Tax Changes Ring in the New Year

As you prepare to fill out your 2009 tax return, take note of new tax rules that will apply for 2010.

Roth IRA Rules

Kim Lankford responds to more questions about converting a traditional IRA to a Roth and opening an account for a child.

The Complexities of Roth Conversions

Roth conversions don't make sense for everyone. But with new rules in 2010, it's wise to run the numbers.

Fund a Roth IRA for Your Grandkid

If your grandchildren have earned income, you can contribute to their retirement accounts.

The Impact of Zero Inflation

Welcome to the year of the un-COLA.

What You Need to Know About
Roth Conversions

Lock in tax-free retirement income with no money down and up to three years to pay.

Outback Bonds

Kimberly Lankford explains how to buy Australian bonds, how to get a better tuition tax break and more.

Save for Now -- and for Later

With a fat emergency fund, this high school teacher can also afford to start a Roth IRA.

The Year in Review

Kim Lankford reflects on the questions she received -- and advice she gave -- throughout 2009.

Better Ways to Spend
Your Holiday-Gift Budget

You and your significant other could agree not to give each other presents and use the money to improve your finances instead.

Why Your Kids Need a Roth IRA

It doesn't wrap very well, but putting your kids on the path to retirement security is a gift worth giving.

Broker Fee Fiasco

Kimberly Lankford tackles broker inactivity fees and saves one reader $430.

To Tap or Not to Tap Your IRA

You can skip your distribution this year and save on taxes.

Trim Taxes by Boosting
Retirement Savings

Max out your contributions while you can; limits won’t increase in 2010.

401(k) Rollovers

If you have money hanging out in an account with a former employer, move it into your new 401(k), IRA or Roth IRA.

Employers Seek Benefits
In Cash Balance Pensions

Much maligned a few years ago, cash balance plans now have a chance to be a useful cost-cutting tool for pension plan sponsors.

How Do I Tap My IRA?

If you're 59½ or older, follow these steps to access your money.

8 Fundamental Money Lessons

Learn how to better manage your money with these simple and practical lessons.

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