Retirement withdrawals

Saving too much for retirement could force clients to take loans or make withdrawals that would carry taxes and penalties.

One guideline to remember is that retirees should continue being invested in stocks, which produce high returns and pay dividends.

The IRS is relaxing some rules to make pulling money from retirement plans easier after hurricanes Irma and Harvey, but clients should remember the taxes and penalties associated with withdrawals are unchanged,

Life after work is much more complicated now than the industry assumes it to be, says former HelloWallet founder Matt Fellowes.

Early withdrawals from employer-sponsored plans can derail retirement, but may be necessary.

Between taxes and penalties on early withdrawals, many clients will only be getting 65 cents for every dollar they take out.

Not tapping tax-deferred retirement accounts until the age of 70 1/2 can be a wrong move, as required minimum distributions can be big enough to push retirees to a higher tax bracket.

Clients should start shoring up their savings by chipping in as much as they reasonably can to their employer’s retirement plan, especially if it comes with a matching contribution.

Clients should be especially mindful of market movements during the "fragile decade," the span beginning five years before retirement until five years after retirement.

Yes, advisers can invest these funds in nontraditional assets, but you must understand the risks before giving clients the OK.

Couples would be better off retiring at the same time, as they face major life changes together. And leaving a career-driven spouse at home in retirement can throw a marriage out of whack.

Millennials change jobs more than older generations, but thinking about the future is not a huge priority.

Most Americans maintain or even increase their spendable incomes after they started collecting Social Security, according to one of the experts who conducted a study.

It's possible to use these distributions to preserve clients' savings well past their anticipated lifespan.

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

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

Why advisers should use age-banding to plan for retirees’ spending levels to flex and adjust.

92% of 401(k) participants are unaware of the fees they pay in their plans, creating the potential to lose a substantial amount of retirement savings

How to maximize government retirement income for couples, irrespective of their marital status.

Clients can avoid paying taxes as long as they keep working past the age of 70 1/2.