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Retirement

Expert guidance for those on the road to retirement from Charles Schwab & Co., Inc.

529-to-Roth IRA Rollovers

Unused 529 funds can be rolled into the beneficiary's Roth IRA without a tax penalty. But that's probably not a reason to overfund 529s.

July 15, 2026 • Hayden Adams

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Social Security Benefit Cuts?

Fear around the future of Social Security payments is understandable, but it should not solely drive decisions on when to claim benefits.

July 09, 2026

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403(b) vs. 401(k)

If you're considering a 403(b) or 401(k) retirement plan, here are eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 403(b) Plan?

A 403(b) plan can help school employees, health care workers, and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

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403(b) vs. 457(b) Plans

If you're considering a 403(b) or 457(b) retirement plan, here are the eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 403(b) Plan?

A 403(b) plan can help school employees, health care workers, and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

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What Is the FIRE Movement?

Even if early retirement isn't your goal, FIRE principles may help savers build more financial independence over time.

June 10, 2026

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Using an IRA to Fund an ILIT

Large IRAs can trigger high tax bills during and after the owner's lifetime. Here's how an irrevocable life insurance trust can help manage the tax hit for owners and their heirs.

June 05, 2026

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Using an IRA to Fund an ILIT

Large IRAs can trigger high tax bills during and after the owner's lifetime. Here's how an irrevocable life insurance trust can help manage the tax hit for owners and their heirs.

June 05, 2026

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Catchup Rules for High Earners

Starting in 2026, high earners are subject to new rules for catch-up contributions. Here's what it could mean for them.

June 05, 2026

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The Costs of a Longer Life

As people live longer, they face the prospect of ultimately paying more for health care. Here are some considerations to help you plan for these increased costs.

June 05, 2026

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Late-in-Life Career Change

Leaving an employer later in life presents unique challenges and considerations.

June 05, 2026

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Spending Anxiety in Retirement

Why retirees often spend less than they can afford—and how to combat this tendency.

June 05, 2026

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Contributing to My 401(k)

Wondering how much to contribute to your 401(k)? It's an important question—and the answer depends on a number of factors.

June 03, 2026

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Money & Marriage Later in Life

Considering a late-in-life marriage? Before you and your partner combine your financial lives, here are some important things to keep in mind.

May 27, 2026

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Allocating Portfolio Assets

As you progress through your retirement investing journey, consider modifying your asset allocation by age as your time horizon, investment goals, and risk tolerance change.

May 26, 2026

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Move a 401(k) to a Rollover IRA

To move a 401(k) to a rollover IRA, doing a little bit of prep work can make the process easier. Follow these three easy steps to get started.

May 18, 2026

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Insights & Education are provided by Charles Schwab & Co., Inc.

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.