Employee benefits

Vesting schedules applies to the type of money, not on the exact amount that was deposited, according to an expert.

Helping clients develop a solid investment strategy is an important step to help them survive market volatility.

One option is to sell funds with lower or no estimated distributions, especially if possible savings will exceed trading costs.

Younger clients who adopt an overly conservative investment approach are advised to consider diversified, low-cost equity products to boost returns.

Fund industry Darwinism should be seen as healthy and natural in a thriving — albeit brutal — market, an expert says.

Required minimum distributions are just one example of unforeseen expenses for retirees, an expert writes.

Early and consistent saving may not be enough to safely leave the labor force for good.

With pensions gradually disappearing, more retirees will have to rely on 401(k)s.

The decisions made before they retire are integral to their success, according to an expert.

Medical expenses for retired clients may be more predictable than expected, experts say.

Despite recent tax law changes, recharacterizations are still possible and can prove a valuable strategy to correct such missteps.

Waiting too long means clients will miss out on the opportunity to maximize the plan’s full tax benefits.

In some cases, clients are advised to pay off their debt instead of putting money aside to retire.

Younger clients are more savvy consumers who know how to minimize their expenses and are less inclined to spend on material goods, an expert says.

Major repairs are needed to ensure Social Security’s long-term stability, according to an expert.

Clients with children are advised to start saving early in a 529 plan to take advantage of the “tax-free or tax-deferred growth.”

The triple-tax savings and investment vehicle is underutilized, but can help clients save for upcoming healthcare expenses.

With careful planning, they can be among the 72% of U.S. students to get need-based assistance.

The full balance won't belong to them until they are fully vested in their plans — especially if they're receiving an employer match.

There are attractive hedges against rising college tuition costs. But, not every student will benefit.