Money & Investing
Money & Investing Articles
What Is a Retirement Glide Path, and How Does It Work?
A retirement glide path changes a portfolio’s mix over time. Learn how target-date funds, “to” and “through” paths,…
How to Choose a Financial Advisor for Retirement
Flat fee, assets under management, hourly or commission? Learn how financial advisors get paid, what fiduciary really means…
How Social Security Benefits Are Taxed
Social Security taxation depends on other income, tax-exempt interest and half of your annual benefits. Use the formula,…
Income Annuities Explained: Pros, Cons and Who They May Be Good For
An income annuity can turn part of a nest egg into lifetime payments, but the trade may reduce…
The Roth Conversion Window Between Retirement and RMDs
The years between retirement and required minimum distributions can create a valuable tax-planning opportunity. Learn how partial Roth…
Morningstar’s 3.9% Safe Withdrawal Rate: What the Latest Research Means
Morningstar’s latest retirement-income research estimates a 3.9% starting safe withdrawal rate for a new retiree seeking steady, inflation-adjusted…
What Is a Brokerage Account? How to Open, Invest and Use One
A brokerage account lets you invest without retirement-age restrictions, but it comes with taxes and market risk. Learn…
How to Convert Pretax Retirement Accounts to Roth: A Step-by-Step Guide
A Roth conversion can create future tax flexibility, but it also creates taxable income now. Follow the paperwork,…
Can You Spend More in Retirement? How Guyton-Klinger Guardrails Work
Guyton-Klinger guardrails let retirement spending rise when a portfolio moves ahead and require a cut when withdrawals strain…
The Hidden Cost of Raiding Your 401(k) Before Retirement
The $20,000 Purchase That Could Cost Your Retirement $174,000 Raiding your 401(k) for $20,000 can feel like a…
How to Create a Retirement Paycheck From Your Savings
Learn how to combine Social Security, pensions and planned withdrawals into a dependable monthly retirement paycheck for everyday…
The Three-Fund Portfolio: The Simple Investment Plan That Owns Almost Everything
A three-fund portfolio uses broad U.S. stocks, international stocks and bonds. Learn its benefits, drawbacks, sample allocations and…
Am I Saving Enough for Retirement? 5-Step Check
It is difficult to know whether you are saving enough for retirement by looking at your account balance…
Should I Pay Off My Mortgage Before I Retire?
Updated for 2026 If you are wondering whether to pay off your mortgage before you retire, you are…