Retirement Plans
News, insights and expert analysis on retirement plans from the team at Kiplinger.
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10 Reasons to Leave Your Heirs a Roth IRAIncluding a Roth IRA in your estate plan can secure a tax-free legacy for your family. But even a small error could leave your heirs with a big tax burden.
By Kathryn Pomroy
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Converting to a Roth IRA? Don't Do It Like ThisYou might want to convert all of your retirement savings to a Roth in one go, but you could pay hundreds of thousands more in taxes than you'd have to.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
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Forget the Buzz About Roth Conversions: Here's the RealityRoth conversions have become a hot financial buzzword in recent years, but they're frequently misunderstood. Here's why they aren't the best move for everyone.
By Cathy DeWitt Dunn, CDFA®, FRC®
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I’m a Retirement Expert Who Just Turned 65. Here’s the Advice I'm Actually FollowingAfter decades writing about retirement — first at Fidelity Investments and now as an independent writer and coach — an expert turns 65 and reflects on what he's learned.
By David Conti, CPRC
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Ask the Tax Editor: 10-Year Cleanout Rule for Inherited IRAsAsk the Editor In this week's Ask the Editor Q&A, Joy Taylor answers questions on inherited IRAs and the 10-year cleanout rule for non-spousal IRAs inherited after 2019
By Joy Taylor
Ask the Editor -
The Average Millennial 401(k) Balance is Not 'Superbad'Millennials may not have saved enough for retirement, but how bad can it be if your fake ID name is "McLovin"?
By Adam Shell
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Why Every Grandparent Should Consider a Custodial Roth IRA NowTime is a young investor’s greatest asset. Discover how small contributions today can evolve into a tax-free fortune by the time they retire.
By Donna LeValley
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Changing Jobs and Cashing Out Your 401(k)? Read This FirstMany workers find it easier to leave 401(k)s behind when they move to a new job, or cash out small balances that are better left invested, but you have options.
By Spencer Williams
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Buying a Home With Your 401(k)? Consider the Risk to Your RetirementPulling money from a 401(k) to buy a property now means you'll lose the power of compounding — and decades of potential growth those funds could have generated.
By Mike McCracken
