401(k)

Small-business owners can win when advisers use a stacked-pension approach to 401(k) planning.

Roughly a third of American workers don’t have a retirement vehicle, says Labor Secretary Thomas Perez.

Clients can beat a costly pitfall that comes after missing a 60-day window on IRA rollovers by giving the agency their side of the story under a newly relaxed rule. Plus, ways to save when clients are too old for traditional IRAs.

For one strategy, clients should create income streams that have built-in protection, such as Social Security and long-term insurance.

Drivers in Seattle, Boston, Chicago, and New Jersey will be offered IRAs first, with plans to expand to other cities later this year.

The case, filed on behalf of an on-call branch office manager who works with advisers, follows similar retirement plan-related litigation recently filed against other firms, including Morgan Stanley.

The lawsuit highlights a friction that exists at financial-services firms that put employees into their own product.

Investors can expect limited options or higher fees in their retirement plans as brokerage firms are evaluating their pricing structures to comply with the fiduciary rule.

The lawsuit highlights a friction that exists at financial-services firms that put employees into their own product.

These planning strategies can prevent beneficiaries from biting off too much — or too little.