IRAs

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.

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.

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

Knowing how and when to withdraw can save clients big in their golden years.