Rachel L. Sheedy
Latest articles by Rachel L. Sheedy
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Claim a Benefit From an Ex-Spouse
retirement The marriage may be over, but you could still be entitled to Social Security off your ex's record.
By Rachel L. Sheedy Published
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When a Spouse Inherits an IRA
IRAs A spousal IRA heir gets a lot of flexibility in deciding what to do with the account.
By Rachel L. Sheedy Published
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Strategies Married Couples Can Use to Boost Benefits
retirement The payoff can be big when spouses carefully coordinate their Social Security benefit claims.
By Susan B. Garland Published
retirement -
What Heirs Need to Know About Reverse Mortgages
inheritance Death of the borrower triggers the loan payoff, but the estate and heirs will never owe more than what the home is worth.
By Rachel L. Sheedy Published
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Social Security Offers Lump Sum Payouts
retirement If you are past full retirement age, you can undo the decision to delay benefits if you suddenly need cash.
By Rachel L. Sheedy Published
retirement -
Pass an IRA to Young Grandkids With Care
IRAs Take some precautions to protect your legacy if you plan to leave assets to minor children.
By Rachel L. Sheedy Published
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Consider a Roth IRA for Tax-Free Income
retirement This Q&A answers essential questions about adding a Roth account to your nest egg.
By Rachel L. Sheedy Published
retirement -
Tighter Rules on Reverse Mortgages
retirement Borrowers face higher costs and lower loan amounts. And soon borrowers will have to pass a financial assessment, too.
By Rachel L. Sheedy Published
retirement -
Use Your Nest Egg to Qualify for a Mortgage
retirement Little-known rules can help people on a fixed income refinance an existing mortgage or buy a new home.
By Rachel L. Sheedy Published
retirement -
States Differ on Retiree Tax Burden
Making Your Money Last Some states are more generous than others when it comes to tax breaks on retirement income.
By Rachel L. Sheedy Published
Making Your Money Last -
Mind the Gap If You Delay Social Security
social security Build an income stream if you plan to retire before you claim Social Security.
By Rachel L. Sheedy Published
social security -
Check Options Before Rolling Over a 401(k)
401(k)s The popular choice might not be the right one for you.
By Rachel L. Sheedy Published
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Moving IRA Assets Into a 401(k)
IRAs A reverse rollover could benefit high earners and those working past retirement age.
By Rachel L. Sheedy Published
IRAs -
4 Ways Early Claimers Can Boost Social Security Benefits
social security Regret taking Social Security early? These moves can hike your lifetime benefit.
By Rachel L. Sheedy Published
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A Paycheck's Impact on Retirement Income Benefits
Making Your Money Last Returning to work can affect Social Security benefits and pension payments, but may also help you build your nest egg.
By Rachel L. Sheedy Published
Making Your Money Last -
Equal Earner Couples Should Delay Benefits
retirement By employing little-known claiming strategies, a couple can still bring in some income at full retirement age.
By Rachel L. Sheedy Published
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Reduce the Risks of the New Tax Scenario
Making Your Money Last Several tax law changes went into effect this year. These moves can help keep your 2013 tax tab in check.
By Susan B. Garland Published
Making Your Money Last -
When Your Parents Need Financial Help
Making Your Money Last From providing housing to navigating government benefits, adult children have numerous options to assist elderly parents.
By Rachel L. Sheedy Published
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IRA Heirs Beware Mistakes
IRAs Nonspouse beneficiaries who inherit an IRA should watch out for these common pitfalls.
By Rachel L. Sheedy Published
IRAs -
Reverse Mortgage Option Nixed
Making Your Money Last The government will no longer allow fixed-rate, lump-sum loans in its Home Equity Conversion Mortgage Standard program.
By Rachel L. Sheedy Published
Making Your Money Last -
Buy a Home With a Reverse Mortgage
Making Your Money Last A reverse mortgage for purchase may help some seniors finance a new place to live.
By Rachel L. Sheedy Published
Making Your Money Last -
Tap Home Equity When Markets Drop
Making Your Money Last Research shows that using a reverse mortgage as part of a retirement income "bucket" strategy could stretch a nest egg.
By Rachel L. Sheedy Published
Making Your Money Last -
Tap Your IRA Early Without a Penalty
IRAs Uncle Sam gives you a pass on the early-withdrawal penalty if you follow these complex rules.
By Rachel L. Sheedy Published
IRAs -
Retiree Tax Burden Differs By State
IRAs It pays to know how a state taxes retirement income, and whether the state offers any tax breaks to retirees.
By Rachel L. Sheedy Published
IRAs