Editorial Staff

Benefits are not capped at a predetermined level. They are based on two variables: a client’s highest earnings over 35 years and their age when they file for benefits.

High-yielding investments come with a significant risk, as exemplified by ETFs that own energy-focused master limited partnerships.

Clients who turned 70 1/2 this summer have to act fast on their distributions to avoid paying a hefty penalty to the IRS. Plus, giving away stocks versus selling them.

Investors should understand that market volatility will remain a risk to their portfolio, and investing in low-volatility funds does not guarantee protection.

Investors should rebalance their portfolio, consider investing in foreign markets and avoid trendy ways to minimize risk. Find out what they shouldn’t do.

Retirees who opt to manage their investments are advised to streamline their portfolio maintenance into a process that they can roll out toward the year's end.

Many fear that they will feel alienated and irrelevant after they retire, become a burden to their families, or their surviving spouse will go on retirement alone.

To really come out ahead from delaying Social Security, a client has to live past 80. Otherwise, it's probably better to take a reduced benefit earlier.

This investing move is applicable whenever market conditions call for it. Plus, a deduction that may take some of the bite out of student loans.

Despite the possibility of having a tax-advantaged health savings account, workers with high deductible health plans are less likely to see their doctors.

Although parents need to save for their child's education, they should make retirement saving their top priority.

The odds that your clients will one day stay in an assisted living home increases 1.4% per year, starting at age 65.

During the dotcom craze, the conversation was about retiring before age 50. Today, it’s about working until age 80.

Proceeds from selling their current home can be augmented with a "reverse mortgage for purchase," which doesn't have to be repaid until they sell, move out or pass away.

Try these strategies that put off withdrawals and shrink the government's cut. Plus, the financial benefits of early retirement.

Investors who reach the age of 45 are advised to multiply their salary by 3.7 to get a good estimate of retirement savings they should have at this age.

Preferred stocks are good candidates for retirees' investment portfolio as they can provide more income than corporate bonds.

Investors are better off having target-date funds than balanced funds as TDFs provide broader diversification and focus on minimizing risk.

Many people have the misconception that Social Security will become insolvent over the next 20 years.

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