IRAs

While clients experience various benefits as they age, they still owe taxes after exiting the workforce.

Investment alpha is tough given “crazy valuations” in stocks and low bond yields, making strategies based on minimizing taxes essential.

Now harsh penalties and taxes on late 60-day rollovers from company plans and IRAs can be avoided, but beware: There are some rollover mistakes that still cannot be fixed.

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

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.

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

Because community property law can dictate who gets an IRA after death, it must be taken into account when a client names a beneficiary.

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

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

Unlike some other tax mistakes, running afoul of the once-per year rule can’t be fixed.

Unlike some other tax mistakes, running afoul of the once-per year rule can’t be fixed.

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.

Eligible taxpayers can now qualify for a waiver of the 60-day time limit and avoid possible taxes and penalties on early distributions, if they meet certain requirements.

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

Advisers should be prepared to discuss both the benefits and drawbacks with clients.

Advisers should be prepared to discuss both the benefits and drawbacks with clients.

In about 30% of large companies, seniors can opt to work part-time or engage in job sharing with co-workers.

Some seniors shop around for the most affordable health insurance and less expensive drugs every year.

Interest on municipal bonds doesn't always boost a return the way a client might expect. Plus the big savings from having highly appreciated company stock in a retirement account.