IRAs

The U.S. needs to maintain its fertility rate and keep its population growth steady to ensure Social Security's sustainability, says expert.

There are only two ways to transfer IRA assets tax free in a divorce proceeding.

For some couples, the fact that they have been drifting apart could be masked by the attention devoted to their careers or raising a family.

Whether the husband takes reduced benefits has no impact on the spousal rate, although it could effect potential widow's benefits, according to a Social Security expert.

The itemized deduction for investment fees may have been eliminated, but clients still need guidance on paying IRA expenses. Here's what to tell them.

Clients should determine the benefits they would receive if they file at age 62, at full retirement age, and after their full retirement age.

The effects are looking like "every other much-hyped tax cut of the past three decades.”

More than 25 million workers resigned and left at least one retirement account with their former employer between 2004 and 2013, according to the U.S. Government Accountability Office.

The differences generally come down to investor eligibility and when taxes are paid, but that can have a significant impact.

Many people expect to collect more than they actually will, which can prompt them to retire and file for benefits early and, in turn, reduce their actual payouts.

Although annuities incur taxes and costs, clients "can invest the same amount into a diversified municipal bond portfolio and pay no taxes,” an expert says.

Elderly clients should make sure they have enough fixed-income in their retirement portfolios to spin off cash to cover the gap between income and expenses until the market recovers.

A Roth IRA is an excellent savings vehicle for older people as it is for younger clients.

Life changes, like a child entering college or changes made to retirement goals, can leave serious gaps in financial plans.

It pays to review the differences between traditional and Roth IRAs.

The Roth IRA has very low contribution limits, while those in high-income groups may not qualify to contribute to the account.

The retirement problem comes down to the fact that many people don't have access to a 401(k) plan. Here's one solution.

Clients aged 35 have to set aside 11.69% of their pay to keep up with those in their 20s socking away only 6% of their salary, based on calculations by Financial Engines.

Combating these misconceptions may help taxpayers maximize benefits.

These funds can be expensive and may not be accurate in determining investors' risk tolerance, among other potentail downfalls.