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Results From the 2024 Retirement Confidence Survey Find Workers’ and Retirees’ Confidence Has Not Recovered From the Significant Drop Seen in 2023, but Majorities Remain Optimistic About Retirement Prospects
Summary - However, almost 8 in 10 workers and 7 in 10 retirees are concerned that the U. S. government could make significant changes to the American retirement system...
2024 Pulse of the American Retiree Survey: Midlife Retirement ‘Crisis’ or a 10-Year Opportunity?
Critically underprepared for retirement, 55-year-old Americans enter a crucial 10-year countdown to plan and prepare With just a decade until retirement, 55-year-old...
Why Retirees Are Carrying More and More Debt
Federal Reserve data shows sharp rise in amount Americans 65 and older owe Americans across generations are carrying more debt than they did three decades ago,...
3 Changes Coming To Retirement Required Minimum Distributions in 2025
Saving and investing early, often, and continuously throughout your entire working career is absolutely critical to securing your financial future in retirement. Making...
3 Changes Are Coming to 401(k) Plans in 2025
Three significant 401(k) plan changes coming in 2025 are worth paying attention to, regardless of when you plan to retire, whether you work full-time or part-time, or...
6 Retirement Savings Changes To Expect in 2025
Big changes are coming to retirement savings in 2025. The shifts in retirement planning come after Congress passed the Setting Every Community Up for Retirement...
7 Things to Know About Working While Getting Social Security
If you claim benefits early, income from work can reduce your monthly payments “Retirement” used to be synonymous with “not working.” Not anymore. More than a quarter...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets posted a third week of gains as global central banks continued to cut monetary policy rates. China, Switzerland, Mexico, Hungry,...
Weekly Market Commentary
The S&P 500 notched its 39th record high in 2024 on the back of a fifty-basis-point rate cut by the Federal Reserve. Global central banks took center stage this...
Weekly Market Commentary
-Darren Leavitt, CFA Markets bounced back nicely in the second week of September. It was an intriguing week of trade with several undercurrents to consider. The first...
Weekly Market Commentary
-Darren Leavitt, CFA Global equity markets tumbled due to economic growth concerns as the US Treasuries extended their gains from August. The holiday-shortened week...
Weekly Market Commentary
-Darren Leavitt, CFA The final week of August was all about NVidia's second-quarter earnings results and the Fed's preferred measure of inflation, the PCE. Expectations...
Weekly Market Commentary
-Darren Leavitt, CFA US financial markets inked another week of gains as investors cheered what they heard from global central bankers at the Jackson Hole Economic...
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Roth IRAs and Required Minimum Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My wife and I created a Roth IRA when our two children were young to pay for their college education. Our daughter is...
Basis In Your Traditional IRA
By Sarah Brenner, JD Director of Retirement Education While most distributions from a traditional IRA are taxable, sometimes distributions can include after-tax...
72(t): Switching Methods in a Market Downturn
By Andy Ives, CFP®, AIF® IRA Analyst When a person under the age of 59½ needs access to his IRA dollars, there is a 10% early withdrawal penalty applied to any...
RMD Calculation and Direct Roth Conversions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: At age 71, I’m not yet subject to required minimum distributions (RMDs) from my IRA or workplace retirement accounts. However,...
After-Tax 401(k) Contributions Shouldn’t Be an Afterthought
By Sarah Brenner, JD Director of Retirement Education With the popularity of Roth 401(k) contributions, after-tax (non-Roth) employee contributions have gotten short...
3 Retirement Account Moves You Can Still Do for 2024
By Sarah Brenner, JD Director of Retirement Education The April 15 tax-filing deadline has come and gone. However, for some 2024 retirement account...
Once-Per-Year Rollover Rule and RMD Aggregation: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst Question: Are rollovers done by a spouse beneficiary subject to the once-per-year IRA rollover rule? The IRA funds were...
NUA: “Resetting” Cost Basis
By Andy Ives, CFP®, AIF® IRA Analyst The recent market ride has been nuts. It is certainly no fun for anyone who owns stock or stock funds. Many of us are...
Still Waiting for IRS Guidance on IRA Self-Correction Program
By Ian Berger, JD IRA Analyst In the 2022 SECURE 2.0 legislation, Congress gave the IRS two years – until December 29, 2024 – to come up with rules allowing IRA...
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier
Today, Medicare Advantage delivers affordable, high-quality care to more than 33 million seniors and people with disabilities, with better health outcomes than...
Does your Medicare plan cover gym memberships and other fitness benefits?
There’s no age limit on exercise – physical activity is for everyone! In fact, as you get older, physical activity becomes an even more important part of your overall...
Your annual physical checklist
Annual physical check-ups are essential in maintaining your health. These check-ups can identify health issues in their early stages, so you can take care of...
LEARN DENTAL INSURANCE BASICS AND SAVE YOUR TEETH
Monitoring your oral health isn’t just about good teeth: it can give insight into your overall health. There are many reasons why it’s important that you visit your...
MEDICARE AND DEPRESSION TREATMENTS — WHAT MEDICARE COVERS
Mental health is a critical part of overall health. Conversations on the topic of mental health were rare when the baby boomer generation was young. Today, the topic is...
YOUR ANNUAL ENROLLMENT PERIOD (AEP) CHECKLIST
5 steps to taking care of what matters most: You The Annual Enrollment Period (AEP) is the time of year when you can decide to stick with your current health plan or...
WHY CHOOSE A MEDICARE SUPPLEMENT PLAN?
Whether you need medical care while traveling, in the comfort of home, or you want the flexibility to see any medical doctor or specialist that accepts Medicare, a...
NOT RETIRING AT 65? WHEN SHOULD YOU BUY MEDICARE?
The benefits of Medicare are initially activated when you turn 65. That is when you first enroll in this federal healthcare program for seniors. But what if you are...
QUESTIONS TO ASK WHEN CHOOSING MEDICARE
Whether you are already part of the nearly 60 million enrollees of the program, or are looking to join its ranks soon, we are here to help you answer the most commonly...