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Safeguarding Sustainable Withdrawal Rates: How Sequence of Returns Risk Can Make or Break Your Retirement

"Investors naturally seek strong returns during their working years and retirement. But it's just as important to maintain a sustainable withdrawal rate once you retire. If poor returns hit early in retirement, your portfolio may shrink so much that future gains cannot restore it."

Retirement Mistakes That Can Cost You Later

"[1] Not having a plan.... [2] Not saving for the future right now, ... [3] Not factoring in taxes.... [4] Not timing your job changes thoughtfully.... [5] Not planning for healthcare costs."

Understanding IRMAA: How to Manage Rising Medicare Costs in 2026

"Medicare beneficiaries with Part B and/or Part D prescription drug coverage may face additional monthly surcharges known as the Income-Related Monthly Adjustment Amount (IRMAA). These surcharges ... are based on modified adjusted gross income (MAGI) from two years prior ... If you're navigating Medicare costs or planning for retirement, this overview can help you understand the impact of IRMAA and the steps you can take to effectively manage your premiums."

Building a Smart Withdrawal Plan

"A withdrawal plan is just as important as your investment strategy. While the immediate goal is to make sure you have enough income to support your lifestyle, the bigger opportunity lies in how you take that income and how to minimize taxes over your entire retirement, not just this year. A thoughtful, tax-efficient withdrawal strategy can potentially reduce your lifetime tax bill and help your money last longer. Let's walk through how to build one."

Why Plan Sponsors Should Be Thankful for Retirement Plans This Season

"Retirement plans as a talent magnet ... Building loyalty and engagement through security ... Financial wellness promotes business wellness ... Tax advantages that benefit everyone ... Maximizing the impact of your retirement plan."

Protect Your Lifestyle: How to Plan for Health Care in Retirement

"Fidelity Investments estimates a 65-year-old couple retiring in 2025 could face $345,000 in lifetime health care costs. Preparing for these expenses requires a proactive approach focused on what you can control and informed decisions about insurance and long-term care. Here's how to start."

Early Retirement: A Financial Reality Check for Generation X

"69% of Gen Xers view retiring before age 65 as a key part of the American Dream. However, 40% admit they are not financially prepared to make that dream a reality. This disconnect between aspiration and readiness raises questions about how Gen X can close the gap, and whether early retirement is still within reach."

Inflation and Retirement Confidence: What Employers Can Do to Help

"Offering resources like workshops, webinars, or guides designed to explain how inflation could affect retirement planning can help empower employees to make more informed decisions. Information about how Social Security benefits are adjusted for inflation and how to plan for increasing healthcare costs in retirement can also help."

Legislative Changes Ahead for 401(k) Plan Sponsors

"[T]he Helping Young Americans Save for Retirement Act [S 1707] ... is intended to encourage employers to open their plans to younger workers without immediately incurring additional compliance costs.... [T]he Protecting Americans' Retirement Savings Act [S 928] ... highlights an increasing expectation for retirement plan investments to align not only with financial objectives but also with broader national policy concerns."

Roth Conversions: The Good, the Bad, and the Ugly

"The most attractive feature of a Roth IRA is its tax-free growth and withdrawals.... Ideally, you should pay the taxes due on a Roth conversion from non-retirement assets.... This makes Roth conversions a less practical solution for those who are cash-strapped or heavily concentrated in pre-tax retirement accounts.... Because conversions increase your adjusted gross income (AGI), they may reduce your eligibility for income-based programs such as [ACA] health insurance subsidies or FAFSA-based financial aid for college-bound children.... A poorly executed Roth conversion can create a cascade of tax headaches."