Retirement Planning Archives

October 25, 2026
Rule of 55: Why Rolling a 401(k) to an IRA Triggers Penalties Before 59½
Early retirees can avoid the 10% IRS penalty by staying in their 401(k) plan, but rolling funds to an IRA for monthly…
October 24, 2026
How Frozen Tax Thresholds Erode the Purchasing Power of Social Security’s 2027 COLA
Unindexed provisional income limits from 1983 mean a 3.6% benefit increase pushes more retirement income into taxable territory, reducing the real value…
October 22, 2026
State Tax Policies on IRA Withdrawals Shape Retirement Savings for Seniors
Differences in state-level tax treatments on IRA withdrawals can significantly affect a retiree’s long-term financial stability, as seen in Arizona and Nevada.
October 9, 2026
Daily $5 Savings Grows to Over $180,000 in 40 Years via Compound Interest: Step-by-Step Wealth Building Guide
WASHINGTON, October 9 — The bottom line: saving $5 a day at a 7% annual return compounds to roughly $180,000 over 40…
October 7, 2026
The sandwich generation: Balancing family, finances, and the future
WASHINGTON, Oct. 7 — About a quarter of U.S. adults, or 23%, are part of the sandwich generation, juggling the financial and…
September 29, 2026
How Compound Interest Works: A Timeless Guide to Growing Wealth
NEW YORK, September 29 — Compound interest, a financial principle that has been central to personal finance and investment strategy for centuries,…
September 14, 2026
WSJ Buy Side Ranks Ten Fiduciary Wealth Management Firms
NEW YORK, September 14 — Ten independent registered investment adviser firms made The Wall Street Journal’s Buy Side ranking of wealth managers,…
August 22, 2026
Rebuild Savings, Avoid Loans: Financial Plan Needed Post-Overspending
New York, August 22 — A financial recovery plan has been outlined for individuals facing the challenge of overspending, according to guidance…
August 19, 2026
The case for tax-free annuities
On August 19, 2026, at 15:14:16, a technical process involving JavaScript code executed within a web browser. The code initialized a loading…
July 19, 2026
Social Security Trust Fund Could Be Insolvent by 2033
WASHINGTON, July 19 — The Social Security program’s financial foundation is built on a ticking clock. Without legislative action before 2033, the…
July 1, 2026
Compulsory KiwiSaver needs guardrails to prevent government investment control
WELLINGTON, July 1 — The case for making KiwiSaver compulsory is weaker than most people assume, according to a new analysis that…
July 1, 2026
Analysis warns compulsory KiwiSaver risks future government interference with savings
Compulsory KiwiSaver is a trap waiting to spring. That is the blunt message from a new analysis that lands as National promises…
June 27, 2026
High earners struggle to build wealth, says Hannah McQueen
WELLINGTON, June 27 — A chartered accountant who spent nearly two decades helping New Zealanders get ahead financially says high income earners…
June 27, 2026
Clark Howard Advises Retiree on Managing Unneeded RMDs From Three Accounts
MANILA — The money the government forces you to take out of retirement accounts doesn’t come with instructions. For Robert, the caller…
June 27, 2026
Retiree Past 70.5 With $500,000 Seeks Advice on Unwanted RMDs
The math on a forced withdrawal is simple enough. The Internal Revenue Service says you must take it. You take it. But…
June 27, 2026
State Pension Shortfall Widens to £500 for Single Pensioners Living Alone
She can afford one week in the UK, a year. No car. Fifty-five pounds for groceries, each week. That is the minimum…