Retirement
What's Your Risk Capacity?—And How to Use It to Help Build Your Retirement Portfolio
by Rob Williams
January 25, 2019
You've probably heard about risk tolerance, but when it comes to retirement income planning, a more important thing to understand is your risk capacity.
by Rob Williams
January 25, 2019
You've probably heard about risk tolerance, but when it comes to retirement income planning, a more important thing to understand is your risk capacity.
Inheriting an IRA? Understand Your Options
December 21, 2018
Understand how to manage an inherited IRA, as well as the rules and options to make the most of your inheritance.
December 21, 2018
Understand how to manage an inherited IRA, as well as the rules and options to make the most of your inheritance.
Market Correction: What Does It Mean?
by Schwab Center for Financial Research
December 14, 2018
What does a market correction mean, what’s likely to happen next and what can investors do now?
by Schwab Center for Financial Research
December 14, 2018
What does a market correction mean, what’s likely to happen next and what can investors do now?
Waiting to Save for Retirement Could Cost You
November 28, 2018
When it comes to saving for retirement, the clock is ticking.
November 28, 2018
When it comes to saving for retirement, the clock is ticking.
Medicare Open Enrollment: What Retirees Should Know
by Rob Williams
November 20, 2018
Take advantage of Medicare’s benefits and potential by using the Open Enrollment Period each year to educate yourself, review options and make changes if needed. Here are steps to help.
by Rob Williams
November 20, 2018
Take advantage of Medicare’s benefits and potential by using the Open Enrollment Period each year to educate yourself, review options and make changes if needed. Here are steps to help.
Stocks in Retirement: You Might Need More Than You Think
November 09, 2018
Why holding onto equities during retirement might make sense.
November 09, 2018
Why holding onto equities during retirement might make sense.
RMD Strategies to Help Ease Your Tax Burden
November 09, 2018
RMDs can take a toll on your tax bill. Consider these strategies to help reduce the sting.
November 09, 2018
RMDs can take a toll on your tax bill. Consider these strategies to help reduce the sting.
5 Steps to Help Prepare Your Retirement Portfolio for a Bear Market
by Rob Williams
October 25, 2018
Investors near or in retirement may be concerned—understandably—about a bear market. However, there are steps you can take to help manage potential risks.
by Rob Williams
October 25, 2018
Investors near or in retirement may be concerned—understandably—about a bear market. However, there are steps you can take to help manage potential risks.
Year-End Portfolio Checkup: 6 Tax-Smart Tips
by Hayden Adams
October 04, 2018
The end of the year is a great time to review your portfolio—and your overall approach to saving and investing. Consider these six tax-smart steps now.
by Hayden Adams
October 04, 2018
The end of the year is a great time to review your portfolio—and your overall approach to saving and investing. Consider these six tax-smart steps now.
IRA Tax Traps: Know the Rules
by Hayden Adams
September 25, 2018
IRAs may offer tax benefits, but unwary investors can end up in a variety of IRA-related tax traps if they don't follow the rules. Here's how to potentially avoid some common pitfalls.
by Hayden Adams
September 25, 2018
IRAs may offer tax benefits, but unwary investors can end up in a variety of IRA-related tax traps if they don't follow the rules. Here's how to potentially avoid some common pitfalls.
4 Ways to Supercharge Your Retirement Savings
August 10, 2018
Here are four scenarios that may allow you to save even more for retirement.
August 10, 2018
Here are four scenarios that may allow you to save even more for retirement.
7 Questions About Social Security
August 10, 2018
7 questions about Social Security and how to maximize it.
August 10, 2018
7 questions about Social Security and how to maximize it.
Financial Planning in Your 20s
June 20, 2018
Aside from starting your career, the most important thing you can do in your 20s is to develop good financial habits. Here’s how to get started.
June 20, 2018
Aside from starting your career, the most important thing you can do in your 20s is to develop good financial habits. Here’s how to get started.
The Millennial Conundrum: Save for Retirement or Pay Off Student Loans?
June 18, 2018
Many millennials work to pay off student loans, and as a result, investing can be put on hold—but you don’t have to prioritize one over the other.
June 18, 2018
Many millennials work to pay off student loans, and as a result, investing can be put on hold—but you don’t have to prioritize one over the other.
Should You Wait Until Age 70 to Take Social Security?
June 07, 2018
Delaying your Social Security benefits may be good for your portfolio. Here’s why.
June 07, 2018
Delaying your Social Security benefits may be good for your portfolio. Here’s why.
The Financial Realities of Becoming Your Own Boss
May 11, 2018
What to know before you start working for yourself.
May 11, 2018
What to know before you start working for yourself.
3 Reasons to Consider a Roth IRA Conversion
by Rob Williams
May 11, 2018
Converting to a Roth IRA could save you money in retirement.
by Rob Williams
May 11, 2018
Converting to a Roth IRA could save you money in retirement.
How Reliable Is Your Retirement Backup Plan?
May 11, 2018
May 11, 2018
When it comes to retirement, even the best-laid plans can sometimes go awry. Should the market turn against you, for example, or employment opportunities dry up, even the most diligent savers may find they need to stretch their dollars further than anticipated.
So, what are the best available options? Here are four common fallbacks—and the pros and cons of each.
Affective Forecasting: Can You Really Know Your Future Self?
by Mark W Riepe
May 10, 2018
How the inability to forecast our future feelings or tastes can undermine our financial decisions.
by Mark W Riepe
May 10, 2018
How the inability to forecast our future feelings or tastes can undermine our financial decisions.
Market Volatility: What If You Don’t Have Time to Recover?
by Rob Williams
April 12, 2018
When the market drops, it's generally a good idea to stick to your long-term investment plan. But what if you don’t have time to recover?
by Rob Williams
April 12, 2018
When the market drops, it's generally a good idea to stick to your long-term investment plan. But what if you don’t have time to recover?
How to Generate Retirement Cash Flow by Rebalancing
by Rob Williams
March 09, 2018
Rebalancing your portfolio can be an efficient way to generate distributions in retirement. Here’s how to do it.
by Rob Williams
March 09, 2018
Rebalancing your portfolio can be an efficient way to generate distributions in retirement. Here’s how to do it.
Lump Sum vs. Annuity
by Rob Williams
February 20, 2018
Should you take a lump-sum pension payout, or a monthly income stream for life? How to decide.
by Rob Williams
February 20, 2018
Should you take a lump-sum pension payout, or a monthly income stream for life? How to decide.
Retired but Thinking of Going Back to Work?
by Rob Williams
February 20, 2018
If you’ve retired but are considering returning to work, be aware that your decision may affect your tax situation, Social Security and Medicare benefits.
by Rob Williams
February 20, 2018
If you’ve retired but are considering returning to work, be aware that your decision may affect your tax situation, Social Security and Medicare benefits.
Are HSAs the New IRAs?
February 16, 2018
These triple-tax-advantaged accounts could help pay for health care in retirement.
February 16, 2018
These triple-tax-advantaged accounts could help pay for health care in retirement.
Saving for Retirement: IRA vs. 401(k)
by Rob Williams
February 15, 2018
We break down which retirement accounts—IRAs or 401(k)s— may be right for you.
by Rob Williams
February 15, 2018
We break down which retirement accounts—IRAs or 401(k)s— may be right for you.
Income Too High for a Roth IRA? Try These Alternatives
January 25, 2018
If you’re interested in contributing to a Roth IRA but your income exceeds IRS limits, you can still save for retirement in a tax-smart way.
January 25, 2018
If you’re interested in contributing to a Roth IRA but your income exceeds IRS limits, you can still save for retirement in a tax-smart way.
Create Your Own Retirement Cash Flow
by Rob Williams
January 18, 2018
Here’s a smart system for drawing down your life savings during retirement.
by Rob Williams
January 18, 2018
Here’s a smart system for drawing down your life savings during retirement.
The Backdoor Roth—Is It Right for You?
January 12, 2018
If your income is too high to contribute to a Roth IRA, there’s another way in—but it comes with some caveats.
January 12, 2018
If your income is too high to contribute to a Roth IRA, there’s another way in—but it comes with some caveats.
Financially Sound Steps to Starting a Business in Retirement
November 16, 2017
Launching a startup in retirement? Consider the following guidelines as you embark on your new business venture.
November 16, 2017
Launching a startup in retirement? Consider the following guidelines as you embark on your new business venture.
Social Security: How Much Does It Pay to Wait?
November 10, 2017
Delaying your Social Security benefit can increase your monthly check—but by how much?
November 10, 2017
Delaying your Social Security benefit can increase your monthly check—but by how much?
Taming Taxes: Strategies for Minimizing Your Bill
November 10, 2017
What you can do now to help avoid paying unnecessary taxes later.
November 10, 2017
What you can do now to help avoid paying unnecessary taxes later.
Structuring Your Retirement Portfolio
by Rob Williams
October 25, 2017
A guide for approaching fund allocation in retirement.
by Rob Williams
October 25, 2017
A guide for approaching fund allocation in retirement.
Planning for Retirement When You’re Single
October 10, 2017
Retirement planning advice often focuses on couples, but when you’re divorced, widowed or a longtime single, you may face unique challenges.
October 10, 2017
Retirement planning advice often focuses on couples, but when you’re divorced, widowed or a longtime single, you may face unique challenges.
Will You Have Enough for Retirement?
by Rob Williams
October 05, 2017
How to turn retirement savings into retirement income.
by Rob Williams
October 05, 2017
How to turn retirement savings into retirement income.
Go Ahead, Live a Little (and Still Keep Your Plan on Track)
October 02, 2017
Saving for retirement is vital, but you may be able to spend more money today without sacrificing your future.
October 02, 2017
Saving for retirement is vital, but you may be able to spend more money today without sacrificing your future.
Retiring Abroad? Financial Facts You Need to Know
September 26, 2017
Nine things you need to know about taxes, Medicare and more when you move abroad.
September 26, 2017
Nine things you need to know about taxes, Medicare and more when you move abroad.
Looking Ahead: The Role of Market and Inflation Projections in Your Financial Plan
by Rob Williams
August 31, 2017
Each year Schwab experts update their market and inflation projections, providing an opportunity to revisit your financial plan.
by Rob Williams
August 31, 2017
Each year Schwab experts update their market and inflation projections, providing an opportunity to revisit your financial plan.
Lost Your Old 401(k)? Here’s How to Find It
August 18, 2017
How to track down an old or lost 401(k)—and help avoid losing it in the first place.
August 18, 2017
How to track down an old or lost 401(k)—and help avoid losing it in the first place.
Creating a Business Succession Plan
August 18, 2017
The who, what, where, when, why and how business-succession planning.
August 18, 2017
The who, what, where, when, why and how business-succession planning.
3 Retirement Income Mistakes to Avoid
by Rob Williams
August 18, 2017
Avoiding simple mistakes can extend the life of your portfolio.
by Rob Williams
August 18, 2017
Avoiding simple mistakes can extend the life of your portfolio.
Financial Planning for the Self-Employed
August 18, 2017
How the self-employed can create a sound financial plan and save for retirement.
August 18, 2017
How the self-employed can create a sound financial plan and save for retirement.
Income for Life: Using Deferred Income Annuities in Retirement
by Robert G Aruldoss
August 08, 2017
DIAs give you guaranteed income for life, without having to commit as much of your savings as you would with an immediate annuity.
by Robert G Aruldoss
August 08, 2017
DIAs give you guaranteed income for life, without having to commit as much of your savings as you would with an immediate annuity.
Retirement Savings Milestones: How Much Should You Have Now?
by Rob Williams
June 02, 2017
Measuring progress toward your retirement goals isn’t easy, so we created some milestones you can use to see how your savings stack up.
by Rob Williams
June 02, 2017
Measuring progress toward your retirement goals isn’t easy, so we created some milestones you can use to see how your savings stack up.
3 Steps to Get More Income From Your Portfolio
May 26, 2017
How can your portfolio generate enough income to retire? Start with these basic steps.
May 26, 2017
How can your portfolio generate enough income to retire? Start with these basic steps.
3 Tips for Trading in Retirement
May 11, 2017
How to make the switch from investing for to trading in retirement.
May 11, 2017
How to make the switch from investing for to trading in retirement.
6 Tips for Overcoming Analysis Paralysis
May 11, 2017
How to tell if you’re experiencing analysis paralysis—and what to do about it.
May 11, 2017
How to tell if you’re experiencing analysis paralysis—and what to do about it.
Beyond the 4% Rule: How Much Can You Safely Spend in Retirement?
by Cooper J Howard, Rob Williams
May 01, 2017
How much can you spend in retirement without running out of money? The “4% rule” is a popular rule of thumb, but we think you can do better. Here are our guidelines for finding your personalized spending rate.
by Cooper J Howard, Rob Williams
May 01, 2017
How much can you spend in retirement without running out of money? The “4% rule” is a popular rule of thumb, but we think you can do better. Here are our guidelines for finding your personalized spending rate.
Using Fixed Indexed Annuities for Lifetime Income
April 26, 2017
Investors can use an FIA to transform a lump sum of ‘conservative money’ into a guaranteed stream of income by buying a GLWB rider.
April 26, 2017
Investors can use an FIA to transform a lump sum of ‘conservative money’ into a guaranteed stream of income by buying a GLWB rider.
Financial Planning with Fixed Indexed Annuities
April 26, 2017
Fixed indexed annuities can offer investors principal protection and a chance to earn higher returns than some conservative fixed-income alternatives when the stock market rises.
April 26, 2017
Fixed indexed annuities can offer investors principal protection and a chance to earn higher returns than some conservative fixed-income alternatives when the stock market rises.
Changing Jobs: Should You Roll Over Your 401(k)?
April 05, 2017
Consider these five strategies for handling an old 401(k).
April 05, 2017
Consider these five strategies for handling an old 401(k).
Should You Consider a Roth 401(k)?
March 30, 2017
A Roth 401(k) combines characteristics of a Roth IRA with those of a traditional 401(k), offering multiple benefits for retirement savings.
March 30, 2017
A Roth 401(k) combines characteristics of a Roth IRA with those of a traditional 401(k), offering multiple benefits for retirement savings.
3 Ways to Help Increase Portfolio Income
March 14, 2017
These three portfolio strategies may help increase your portfolio income and manage payouts more effectively.
March 14, 2017
These three portfolio strategies may help increase your portfolio income and manage payouts more effectively.