Retirement planning

Early withdrawals from retirement investments can trigger a hefty penalty.

Even as President Trump seeks a rollback of financial regulations, there’s little chance the rule will be paused — and an even slimmer chance it will be derailed, says TD Ameritrade Institutional’s Skip Schweiss.

There are some situations where delaying is neither feasible nor prudent. Here’s how to weigh them.

Clients who make these prohibited transactions can face devastating penalties.

There are ways around having to pay as much as a 50% penalty. Plus, inheriting Roth IRAs and designing more efficient retirement portfolios.

Clients should consider moving to a state that does not tax ordinary income, Social Security benefits or pension payouts.

First-time home buyers can withdraw as much as $10,000 from a Roth account without paying taxes and penalties if the account is at least five years old.

Regional directors are “sorry to see Doug go," a Cetera adviser says. Tom Taylor, now COO, will take his place.

The move to reintroduce legislation that seeks to adjust the cap on Social Security wages and to raise the payroll tax is a step in the right direction in fixing the program's solvency woes, says expert.

More retirees are expected to join the gig economy and go on trips that offer unique experiences.