Retirement Planning
News, insights and expert analysis on retirement planning from the team at Kiplinger.
Latest
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The Average Gen X 401(k) Balance Kind of Bites
Gen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.
By Adam Shell
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Are You Rich? The Average Net Worth by Age
Are you beating your peers on average net worth? Get tips from financial advisers on how to grow your wealth over time.
By Adam Shell
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Should I Take Out a Loan From My $1.5 million 401(k)?
We asked a wealth planner if borrowing from a 401(k) for a home improvement project would throw a retirement plan off course. The answer may surprise you.
By Donna Fuscaldo
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Don't Let Low Tax Rates Lull You Into the Torpedo Zone
The Social Security provisional income threshold can create a "tax torpedo" for disciplined savers, raising your effective marginal tax rate to 40.7% or more.
By Ray R. Harris, MBA, RSSA®
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Income and Life Expectancy Not Adding Up? Consider An Annuity
Increasing longevity means you could outlive the money you've saved for retirement. Social Security may not bridge the gap, but an income annuity could help.
By Ken Nuss
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The IRMAA Income Trap Quiz: What Really Counts?
From municipal bonds to Roth conversions — take our quiz to find out if you know which income streams push you into higher Medicare brackets.
By Donna LeValley
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Best States for Trusts: How to Choose a 'Trust-Worthy' One
To minimize taxes, protect assets and give you and your beneficiaries greater control, eight states stand above the rest when it comes to trust laws.
By Martin Baker, CFP®, CEPA®
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We Have $5.7 million. My Wife Wants Long-Term Care Insurance.
Even with our solid nest egg, it's not clear if we should self-insure or buy long-term care insurance.
By Maurie Backman
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When Life Gives You Lemons But Financial Freedom, What Next?
Women who gain financial autonomy in later life may be pressured to make quick decisions. Instead, take the time to grow a fruitful new relationship with money.
By Marcia Dawood
