Retirement benefits

Two in three plans offer a Roth savings feature, an option 401(k) participants should take advantage to reduce their tax liability.

Despite the bumpy ride for 401(k) plans in the first half of this year, some analysts say investors can expect a better scenario for the remainder of 2018.

Debt among 65-year-olds has increased by 48% between 2003 and 2015, according to research by the Federal Reserve Bank of New York.

More retirement investors are including cryptocurrency in their portfolio because it helps them achieve diversification.

While many retirees have prepped well for whatever the economy and markets may bring, far too many others have not, an expert says.

Retirees have median savings of $839,000, but many of them are unwilling to spend away their nest egg.

Clients are advised to keep track of their financial information and have a trusted person who knows where to locate it.

Parents feel an uncontrollable urge to help their kids, no matter the cost to themselves. Here’s how advisors can help.

Rising interest rates can be a boon for seniors seeking better returns from low-risk investments, but can hamper other clients with adjustable-rate mortgages.

Those who can't downsize can still rent out a portion of their property to help cover expenses.

One option for the higher earning spouse is to use an IRA as payment.

Municipal bonds can be a more lucrative option for some retirement savers than comparable, higher-yielding bonds.

“Public pension plans continue to bury their heads in the sand living in a time warp of decades-old actuarial assumptions,” says a former Connecticut state treasurer.

The move is an early indication of how firms may react to the demise of the Labor Department regulation.

Seniors receiving pension payments should ensure that their tax withholding is enough to cover the tax liability on the income and avoid trouble with the IRS.

The firms are seeking to tap into the growing demand for ethical investing.

A portion of retirees’ Social Security benefits may be taxed at the federal level if their combined income exceeds a certain limit.

One may have lots of disposable income, while the other may have to rely on taxable distributions.

Even investors who aren’t ultrawealthy may be able to avoid income taxes on their investments with “off the rack” strategies similar to the specially designed life insurance contracts sold by some financial firms to ultrahigh-net-worth clients.

Baby boomers are holding more mortgage debt than the retirees before them. But sometimes, that can be a smart financial strategy.