401(k)

Are you taking full advantage of the tools at your disposal? Advisors share insights about approaches.

One guideline to remember is that retirees should continue being invested in stocks, which produce high returns and pay dividends.

Retiree savings are only as safe as the places that hold retirees' personal information, says expert.

Clients may hold employer stock in their retirement accounts. It pays to know when and how to take distributions from it, Michael Kitces writes.

Clients could face a 100% penalty of taxes owed for filing late.

Retirees can open health savings accounts, which offer tax breaks on contributions and qualified distributions, and tax-free growth on investments.

The answer is in the investment details. If your employer offers a match, contribute at least enough money to get it since matches amount to "free money."

Clients under 35 are the only age group with a negative savings rate. These tools can help them prepare.

Early withdrawals from employer-sponsored plans can derail retirement, but may be necessary.

Each pre-retiree couple is in a unique circumstance, and needs to account for their health and longevity, as well as their willingness and ability to work.