Insurance

Working 30 years instead of 29 will yield a fractional monthly benefit increase — "like by 1/29th" — says an expert, who also notes how get a good idea of future benefit

Open enrollment offers seniors the opportunity to change their plans and save hundreds of dollars.

Medicare is needlessly complicated so people often become paralyzed, cannot make a decision and end up doing nothing, says an expert.

Life insurance will become more attractive to sell in the post-fiduciary world because it is one of the few products not encumbered by the regulation.

Their hospital bills will not be covered if they were not formally admitted into the hospital for three consecutive days and were put under observation status.

Buffalo, N.Y., is one of five cities where retirees who rely solely on Social Security for income can live comfortably.

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.

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

A proposed 22.3% increase in Medicare Part B premiums, if approved, will automatically be deducted from retirees' monthly checks.

Retirees over 65 will no longer be able to contribute to health savings accounts once they file for benefits.

Reducing adjusted gross income might more than offset the loss of an itemized deduction.

Reducing adjusted gross income might more than offset the loss of an itemized deduction.

It may not be sexy, but thoroughly reviewing a client’s estimated income and expenses is key.

It may not be sexy, but thoroughly reviewing a client’s estimated income and expenses is key.

Making non-deductible contributions to a traditional account is the first step to a back-door Roth.

Donating appreciated stock to charity may be one way to offset a surcharge that is expected to increase in 2018.

Although the open enrollment comes in less than two months, seniors are advised to start preparing as soon as they can to save on premiums, co-payments and prescription drugs.

With assets in a single account, monitoring gets easier and investors can take a pro-active approach to protecting their portfolio from market volatility.

While it is understandable for parents to support their children's athletic goals, they should learn to cut back on other expenses.

Even people who have not earned 40 work credits can still sign up for the program but will have to pay a premium for hospital coverage.