A third of middle-class Americans believe they’ll work until at least age 70, an annual retirement survey shows. But more than half of retired respondents left the workforce before age 65, suggesting that retirement timing is often shaped by factors beyond workers’ control.
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TOPICS / PERSONAL FINANCIAL PLANNING
Retirement planning
IRS provides guidance on rollovers between retirement plans and IRAs
Use of the sample forms and proposed rollover procedures in the guidance is optional for plan sponsors.
4 Social Security rules that surprise clients — and some advisers
A divorced spouse may qualify for benefits based on their ex’s work record. A surviving spouse may qualify before age 62. And some families may be eligible for benefits related to their children.
How annuities fit into retirement planning
Guaranteed income can bring retirees peace of mind, but financial advisers disagree about the trade-offs.
Why planning to work longer may be the better path to retirement
A personal financial planning expert shares insights on longer lifespans, retirement planning, career flexibility, and how to approach an employer about taking extended time away from work.
Are alternative assets a fit for a 401(k)?
More retirement plans may soon begin offering investment choices such as private equity, private credit, and digital assets under recently proposed regulations. Two CPA financial planners assess the potential risks and benefits for plan participants.
How CPAs can guide better retirement choices
Learn how CPAs can help clients make smarter retirement decisions by balancing taxes, withdrawal timing, IRMAA, and long-term goals.
Beyond FIRE: Planning for mini-retirements
Many workers today are prioritizing midcareer breaks and flexible work lifestyles over retiring young. Advisers can help them with the planning needed.
A Machu Picchu moment and what it means for aging and retirement
Speaker and author Kelley Long, CPA/PFS, explains the evolving definition of, and approach to, retirement and how CPAs can help clients plan for flexible careers. She also previews her upcoming ENGAGE sessions on retirement strategies and making better use of HSAs. Listen to the podcast episode or read the Q&A.
Tax-efficient drawdown strategies in retirement
Follow these tips to help clients draw down their retirement funds in a tax-efficient manner and avoid common mistakes.
Government withdraws defense of retirement fiduciary rule
The Justice Department dropped its appeal in a case challenging a Biden-era regulation, leaving financial advisers free from new fiduciary duties for now.
IRS outlines details for Trump accounts
The IRS released initial details on Trump accounts, a new type of IRA for some children. Also, a billionaire business executive pledged $6.25 billion to provide 25 million children with a $250 contribution to a Trump account.
Inflation adjustments to retirement account limits issued for 2026
The IRS announced inflation-adjusted limits on benefits and contributions for various retirement accounts on Thursday, including maximum contribution amounts for 401(k) plans and traditional and Roth IRAs.
Calming nervous clients nearing retirement
Experts in personal financial services recommend helping clients keep economic shocks in perspective, simplify their finances, and try out aspects of retirement life.
Mortal fears about retirement: Americans need more time, money
A majority of survey respondents worry more about running out of money than death, but less than one-fourth have talked to a financial professional about their fears.
Retirement snapshot: 3 things to know about the average pre-retiree
Workers dreaming about the day they will retire reveal what circumstances they daydream about and what nightmares they hope to avoid while continuing to redefine what it means to retire in America.
Financial planning aspects of unretiring
Reentering the workforce after having officially retired from it can raise a host of financial planning questions, especially for individuals whose main motivation for “unretiring” is economic.
DOL’s ‘retirement security rule’ runs into obstacles
The U.S. Department of Labor’s recent effort to impose new requirements on financial professionals providing retirement investment advice faces doubtful prospects because of court challenges and the change in presidential administration.
3 ways to balance saving for education and retirement
Worried parents can obtain peace of mind with a
realistic strategy.
Inflation adjustments to retirement account limits issued for 2025
The IRS announced inflation-adjusted limits on benefits and contributions for various retirement accounts on Friday, including maximum contribution amounts for 401(k) plans and traditional and Roth IRAs.
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Get your clients ready for tax season
Help clients avoid surprises with year-end planning strategies for managing taxable income, maximizing deductions, and adjusting to OBBBA changes affecting individuals and businesses.
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