Social Security

There is a way to help reshape deeply ingrained destructive habits.

The most important consideration is that clients are able to complete the 35-year work period because benefits are based on the 35 highest-paid years from their careers.

Clients should work together with their spouses and plan as a couple to develop a Social Security claiming strategy that will maximize their retirement benefits.

The government should tax the health insurance employers provide to employees to generate revenue to fix Social Security's financial woes, an expert says.

To avoid paying high fees, retirement savers should ensure that their plan administrator is a no-load fund company and avoid overpriced house funds.

Retirement investors can use their loss carryforward to write off the taxes triggered by a Roth IRA conversion.

Although the market continues to rally, a possible setback remains likely and retirement investors should be ready for this scenario.

Dying young isn’t the problem, our expert says, tongue-in-cheek. Consultant-author Brian Doherty talks to Editor Lee Conrad about the real problem underlying financial problems in retirement – long life.

Retirees are better off taking withdrawals from their retirement accounts in their 60s so they spread out their tax liability.

Seniors who want to relocate in retirement to a different place from what their spouse prefers may opt to maintain two homes.