Retirement

Most Americans are saving too conservatively to generate the income they'll need in retirement even after accounting for Social Security.

Here’s one reason why beneficiaries should consider setting up a life estate.

Without diversifying cash flows across four key categories, retirees might be taking on too much risk, Michael Kitces writes.

Retirees who opt to defer their Social Security and pension benefits and have no taxable income may want to sell securities outside their retirement accounts.

Having gone through the lengthy and draining process, Exencial Wealth Advisors’ Michelle Scarver shares her No. 1 piece of advice for fellow planners.

Clients may want to create an account on Social Security's official website to get a good estimate of their retirement benefits.

Retirees may opt for current market valuation or their funded ratio as the basis for the allocation.

10 planning strategies from analysts and experts.

Americans aged 50 and older would pay bigger health insurance premiums under the new health care bill that cleared the House of Representatives.

For clients who can’t stand being in the red, there are investment options. There are also caveats to consider, such as relatively high costs and lower returns.

It’s better to have these conversations long before your clients need to use a policy.

If implemented, wealthy clients may consider making charitable donations and waiting until next year to realize income.

Retirees are advised to find gigs that suit them and have realistic expectations about the work they do.

Owning a home brings benefits for retirees, but so does renting. One example: renting puts a limit on housing costs, one of the biggest expenses for retirees.

One adviser calls it a "fairly destructive strategy."

Advisers tend to be too optimistic about what selling the practice will mean for their golden years.

More people are planning to wait to file for benefits, but just 25% are even aware of their full retirement age.

A few tweaks would make the program strong for the long haul. Editor Lee Conrad and consultant-author Brian Doherty talk about the difficulty in implementing such changes.

Retirees saw a small increase in expendable income once they started collecting Social Security, according to a new study.