Roth IRAs

Clients who want to save for their children’s education may be better off using a 529 plan than a Roth IRA.

Contribution limits in a Roth IRA could shrink for couples after marriage.

They may look good on paper, but such investments also come with thorny challenges.

If passed, non-spouse heirs would be required to drain assets within 10 years after the owner’s death.

Clients have to increase their risk exposure to ensure they don’t outlive their savings.

The property should allow them to live close to their loved ones and fit their financial plan, according to a CFP.

Careful planning can help prevent them from shrinking their benefits based on misperception.

Early planning for potential tax hikes is key.

The rule can create significant tax savings, but in unskilled hands it can just shift the burden elsewhere.

The legislation includes a provision that would raise the age limit for making contributions and taking required minimum distributions.

As much as 46% believe Medicare will cover the costs of long-term care.

In one case, a 6-year-old owed $7,000 in federal taxes two years after his father, a U.S. Navy senior chief petty officer, died of a heart attack.

With longer life expectancies leading to increased health care spending later in life, experts are second-guessing the 10% savings rule.

A market correction only becomes a real risk if investors act and make buy or sell decisions to alleviate mental anguish today at the expense of tomorrow, says an expert.

“Health care prices are increasing at levels that significantly exceed overall inflation,” an expert warns.

Unfortunately, physical and cognitive decline are among potential side-effects.

Capital gains tax rates are not just taxed at a single, more favorable, rate anymore.

A proposal to increase payroll taxes is facing opposition from some lawmakers who believe millennial workers cannot afford to bear the brunt of higher payroll taxes.

Grandchildren won't be able to have their own accounts until they are earning their own income, but they can be named beneficiaries.

Picking up on a client's unspoken wishes led an advisor to an unexpected asset allocation — one that benefited the client's daughter.